BlastPoint's Banking Scorecard

First Community Bank of Central Alabama

$100M-$1B Specialty: Commercial AL FDIC cert 57124

Wetumpka, AL

9 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL

First Community Bank of Central Alabama shows strong momentum with 5 strengths and 5.5% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 17.0% in tier
+ Revenue Diversifier: Top 23.9% in tier
+ Net Interest Margin 0.95% above tier average
+ Efficiency Ratio 17.28% below tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Community Bank of Central Alabama releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$697.8M +5.5% YoY +3.3% QoQ	+$311.7M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Top 12.8% in tier
Total Loans ?	$479.1M +17.4% YoY +5.0% QoQ	+$223.4M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Top 12.8% in tier
Total Deposits ?	$644.4M +4.3% YoY +3.3% QoQ	+$316.4M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Top 10.0% in tier
Return on Assets ?	2.45% +18.4% YoY +9.4% QoQ	+1.18%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	Top 5.2% in tier
Net Interest Margin ?	4.88% +7.7% YoY +3.0% QoQ	+0.95%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	Top 9.2% in tier
Efficiency Ratio ?	48.00% -8.2% YoY -0.7% QoQ	-17.28%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	Top 12.4% in tier
Delinquency Rate ?	0.18% -32.7% YoY -7.9% QoQ	-0.71%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	66%
Loan-to-Deposit Ratio ?	74.35% +12.5% YoY +1.6% QoQ	-2.29%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	25.56% -2.4% YoY +1.0% QoQ	+3.54%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	68%
Nonperforming Asset Ratio ?	0.30% +80.5% YoY -0.2% QoQ	-0.34%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	10.50% -4.4% YoY -2.9% QoQ	-5.33%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.21% +18.6% YoY -70.6% QoQ	-0.07%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	Top 13.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#114 of 666 • Top 17.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.45%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#160 of 666 • Top 23.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.21%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.45%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

140

Return on Assets

profitability

Value: 2.45%

Peer Median: 1.27%

#140 of 2664 Top 5.2% in $100M-$1B

245

Net Interest Margin

profitability

Value: 4.88%

Peer Median: 3.93%

#245 of 2664 Top 9.2% in $100M-$1B

268

Total Deposits

size

Value: $644.40M

Peer Median: $327.97M

#268 of 2664 Top 10.0% in $100M-$1B

332

Efficiency Ratio

profitability

Value: 48.00%

Peer Median: 65.29%

#332 of 2664 Top 12.4% in $100M-$1B

341

Total Assets

size

Value: $697.82M

Peer Median: $386.08M

#341 of 2664 Top 12.8% in $100M-$1B

342

Total Loans

size

Value: $479.12M

Peer Median: $255.72M

#342 of 2664 Top 12.8% in $100M-$1B

348

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.28%

#348 of 2664 Top 13.0% in $100M-$1B

Top Weaknesses (1 metrics)

2228

Tier 1 Capital Ratio

capital

Value: 10.50%

Peer Median: 15.83%

#2228 of 2664 Bottom 16.4% in $100M-$1B