BlastPoint's Banking Scorecard
Bank of Walker County
Designations: ✓ Community bank
Jasper, AL
2 branches across AL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 12 in AL.
- Deposits +0.2% year over year ($87.9M on the books).
- Delinquency rate 0.47%.
- Return on assets 1.49%.
- Efficiency ratio 69.88% vs a 119.40% peer average.
- Loan-to-deposit ratio 82.29% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Walker County demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.40% above tier average
- + Non-Interest-Bearing Deposit Share 26.67% above tier average
- + ROA 0.49% above tier average
- + Efficiency Ratio 49.51% below tier average
- + Delinquency Rate 1.01% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.5M
+1.1% YoY
+3.6% QoQ
|
+$36.1M |
$62.4M
-0.0% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Top 1.5% in tier |
| Total Loans ? |
$72.4M
-0.6% YoY
+0.1% QoQ
|
+$37.5M |
$34.9M
-0.6% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Top 4.7% in tier |
| Total Deposits ? |
$87.9M
+0.2% YoY
+3.5% QoQ
|
+$36.3M |
$51.6M
-0.2% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Top 0.9% in tier |
| Return on Assets ? |
1.49%
+4.4% YoY
+11.3% QoQ
|
+0.49% |
1.00%
+3.5% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
5.31%
+6.0% YoY
+1.4% QoQ
|
+1.40% |
3.91%
+2.3% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Top 6.3% in tier |
| Efficiency Ratio ? |
69.88%
+0.5% YoY
-3.8% QoQ
|
-49.51% |
119.40%
+49.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
0.47%
+641.2% YoY
|
-1.01% |
1.48%
+31.8% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
82.29%
-0.8% YoY
-3.3% QoQ
|
+8.08% |
74.21%
+12.6% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
50.16%
+10.9% YoY
+5.1% QoQ
|
+26.67% |
23.49%
+0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
Top 3.0% in tier |
| Nonperforming Asset Ratio ? |
0.34%
+629.1% YoY
|
-0.49% |
0.84%
+23.0% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
11.24%
+6.2% YoY
+0.5% QoQ
|
-15.89% |
27.13%
+3.0% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.9% in tier |
| Non-Interest Income / Assets ? |
0.37%
+5.6% YoY
+91.5% QoQ
|
-1.01% |
1.38%
+6.3% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
Top 12.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
50.2%
+4.9pp YoY +2.5pp QoQ |
+25.5pp | 24.6% | 24.0% | 22.2% | 97% |
| Brokered Deposits | n/a | n/a | 9.8% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.0%
+1.1pp YoY +0.1pp QoQ |
-10.4pp | 13.4% | 16.9% | 12.5% | 10% |
| CRE | n/a | n/a | 25.2% | 43.5% | 41.4% | n/a |
| 1-4 Family |
46.8%
+0.9pp YoY +1.5pp QoQ |
+11.8pp | 35.0% | 30.6% | 31.3% | 69% |
| Consumer |
6.3%
+1.2pp YoY +1.9pp QoQ |
-1.4pp | 7.7% | 5.7% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
11.2%
+0.7pp YoY +0.1pp QoQ |
-6.5pp | 17.7% | 13.2% | 12.6% | 31% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
-2 (-9.1%) YoY -3 (-13.0%) QoQ |
+8 | 12 | 304 | 482 | 88% |
| Assets per Employee ($) |
$4.9M
+11.2% YoY +19.1% QoQ |
-$1.3M | $6.2M | $6.9M | $8.8M | 34% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 20 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
+0.4pp YoY |
-0.5pp | 1.0% | 0.2% | 0.4% | 50% |
| Nonaccrual | n/a | n/a | 1.7% | 1.2% | 1.0% | n/a |
| Allowance Coverage |
2.85x
-85.0% YoY -94.9% QoQ |
-3.56x | 6.41x | 7.50x | 20.23x | 70% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.2% | 56% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.0%
-1.0pp YoY +1.5pp QoQ |
+7.6pp | 6.4% | 10.0% | 11.6% | 81% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY -0.1pp QoQ |
-0.2pp | 1.4% | 1.7% | 1.7% | 37% |
| Net Income ($, YTD) |
$716,000
+3.0% YoY — QoQ |
+$398K | $317,817 | $17.2M | $40.4M | 88% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.