BlastPoint's Banking Scorecard
Bryant Bank
Designations: ✓ Community bank
Tuscaloosa, AL
19 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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in AL.
- Deposits +8.9% year over year ($2.3B on the books).
- Delinquency rate 0.07%.
- Return on assets 1.59%.
- Efficiency ratio 54.18% vs a 59.73% peer average.
- Loan-to-deposit ratio 56.52% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bryant Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 43.4% in tier
- + ROA 0.20% above tier average
- + Efficiency Ratio 5.54% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.38% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+8.6% YoY
+0.8% QoQ
|
+$143.9M |
$2.8B
-0.6% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
69% |
| Total Loans ? |
$1.3B
-2.8% YoY
-1.7% QoQ
|
-$638.8M |
$2.0B
-0.3% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
49% |
| Total Deposits ? |
$2.3B
+8.9% YoY
-0.6% QoQ
|
+$24.5M |
$2.3B
-0.5% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
1.59%
-5.0% YoY
+5.6% QoQ
|
+0.20% |
1.39%
+17.0% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
3.49%
-6.6% YoY
-0.4% QoQ
|
-0.38% |
3.87%
+6.2% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
54.18%
+2.3% YoY
-2.2% QoQ
|
-5.54% |
59.73%
-12.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
65% |
| Delinquency Rate ? |
0.07%
-9.3% YoY
-20.4% QoQ
|
-0.80% |
0.87%
+11.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Top 9.4% in tier |
| Loan-to-Deposit Ratio ? |
56.52%
-10.8% YoY
-1.1% QoQ
|
-28.52% |
85.04%
-0.1% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 5.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.54%
-4.6% YoY
+3.3% QoQ
|
+7.27% |
21.27%
-1.5% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.23%
-46.4% YoY
-13.9% QoQ
|
-0.44% |
0.67%
+11.7% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
18.98%
+3.9% YoY
+0.9% QoQ
|
+4.14% |
14.84%
-0.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 9.3% in tier |
| Non-Interest Income / Assets ? |
0.18%
+10.2% YoY
+185.1% QoQ
|
-0.35% |
0.53%
+2.5% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
26% |
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 |
28.5%
-1.4pp YoY +0.9pp QoQ |
+7.2pp | 21.4% | 24.0% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
12.9%
-2.1pp YoY +0.3pp QoQ |
-1.1pp | 14.0% | 16.9% | 12.5% | 59% |
| CRE |
59.5%
+1.5pp YoY -0.1pp QoQ |
+9.5pp | 50.0% | 43.5% | 41.4% | 75% |
| 1-4 Family |
25.3%
+1.6pp YoY +0.3pp QoQ |
-1.1pp | 26.4% | 30.6% | 31.3% | 56% |
| Consumer |
0.7%
+0.1pp YoY -0.1pp QoQ |
-4.0pp | 4.7% | 5.7% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.0%
+0.7pp YoY +0.2pp QoQ |
+3.4pp | 15.6% | 15.1% | 19.7% | 89% |
| Leverage Ratio |
9.5%
-0.3pp YoY -0.2pp QoQ |
-1.8pp | 11.3% | 13.2% | 12.6% | 23% |
| Total Capital Ratio |
19.9%
+0.7pp YoY +0.2pp QoQ |
+3.2pp | 16.7% | 16.2% | 20.8% | 89% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
293
+4 (+1.4%) YoY +5 (+1.7%) QoQ |
-21 | 313 | 304 | 482 | 64% |
| Assets per Employee ($) |
$10.0M
+7.2% YoY -1.0% QoQ |
-$457K | $10.5M | $6.9M | $8.8M | 65% |
| Branch Count |
18
0 YoY 0 QoQ |
-2 | 20 | 20 | 18 | 60% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 1.2% | 1.0% | 7% |
| Allowance Coverage |
15.84x
+14.4% YoY +28.4% QoQ |
-2.87x | 18.71x | 7.50x | 20.23x | 93% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.2% | 5% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.9%
-0.6pp YoY +0.9pp QoQ |
+4.3pp | 12.6% | 10.0% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.7% | 1.7% | 35% |
| Net Income ($, YTD) |
$23.2M
+2.0% YoY — QoQ |
+$3.9M | $19.2M | $17.2M | $40.4M | 75% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.