BlastPoint's Banking Scorecard

Bank of Walker County

under $100M Specialty: Commercial AL FDIC cert 57640

Designations: ✓ Community bank

Jasper, AL

2 branches across AL

541 banks in the under $100M peer group nationally 12 in AL

Bank of Walker County demonstrates 5 strengths

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

+ Net Interest Margin 1.38% above tier average
+ Non-Interest-Bearing Deposit Share 23.99% above tier average
+ ROA 0.50% above tier average
+ Efficiency Ratio 15.69% below tier average
+ Delinquency Rate 1.35% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Bank of Walker County releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$95.1M -0.4% YoY -0.4% QoQ	+$33.0M	$62.2M -0.6% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Top 5.9% in tier
Total Loans ?	$72.3M +0.8% YoY -1.2% QoQ	+$38.0M	$34.2M -1.4% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Top 4.1% in tier
Total Deposits ?	$85.0M -1.5% YoY -0.1% QoQ	+$33.2M	$51.7M -0.7% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Top 3.3% in tier
Return on Assets ?	1.33% +1.7% YoY -1.1% QoQ	+0.50%	0.84% -2.3% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	5.24% +6.4% YoY +1.1% QoQ	+1.38%	3.86% +2.8% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	Top 6.7% in tier
Efficiency Ratio ?	72.65% +1.8% YoY +0.9% QoQ	-15.69%	88.34% +0.3% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	48%
Delinquency Rate ?	0.02% -23.4% YoY +1.2% QoQ	-1.35%	1.37% +33.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	85.08% +2.4% YoY -1.1% QoQ	+20.86%	64.22% -0.7% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	47.70% -2.2% YoY -3.9% QoQ	+23.99%	23.71% +0.3% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	Top 4.6% in tier
Nonperforming Asset Ratio ?	0.02% -22.4% YoY +0.4% QoQ	-0.77%	0.79% +28.2% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	11.18% +9.4% YoY -0.0% QoQ	-15.51%	26.68% +2.0% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	Bottom 14.6% in tier
Non-Interest Income / Assets ?	0.19% +8.1% YoY -73.6% QoQ	-0.47%	0.67% +1.9% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	Top 12.0% 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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (6 metrics)

Total Deposits

size

Value: $84.97M

Peer Median: $51.74M

#19 of 541 Top 3.3% in under $100M

Total Loans

size

Value: $72.29M

Peer Median: $34.25M

#23 of 541 Top 4.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 47.70%

Peer Median: 23.71%

#26 of 541 Top 4.6% in under $100M

Total Assets

size

Value: $95.13M

Peer Median: $62.16M

#33 of 541 Top 5.9% in under $100M

Net Interest Margin

profitability

Value: 5.24%

Peer Median: 3.86%

#37 of 541 Top 6.7% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.67%

#66 of 541 Top 12.0% in under $100M

Top Weaknesses (2 metrics)

463

Tier 1 Capital Ratio

capital

Value: 11.18%

Peer Median: 26.68%

#463 of 541 Bottom 14.6% in under $100M

430

Loan-to-Deposit Ratio

liquidity

Value: 85.08%

Peer Median: 64.22%

#430 of 541 Bottom 20.7% in under $100M