BlastPoint's Banking Scorecard
Oakworth Capital Bank
Designations: ✓ Community bank
Birmingham, AL
4 branches across AL · NC · TN
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 +12.0% year over year ($1.8B on the books).
- Delinquency rate 0.68%.
- Return on assets 1.17%.
- Efficiency ratio 58.60% vs a 59.73% peer average.
- Loan-to-deposit ratio 96.48% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Oakworth Capital Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.13% below tier average
- + Delinquency Rate 0.18% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Net Interest Margin 0.14% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+15.3% YoY
+4.4% QoQ
|
-$661.2M |
$2.8B
-0.6% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$1.7B
+15.4% YoY
+3.6% QoQ
|
-$258.0M |
$2.0B
-0.3% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
59% |
| Total Deposits ? |
$1.8B
+12.0% YoY
-1.5% QoQ
|
-$551.4M |
$2.3B
-0.5% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
1.17%
+0.5% YoY
+7.4% QoQ
|
-0.22% |
1.39%
+17.0% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
3.73%
-0.8% YoY
+1.3% QoQ
|
-0.14% |
3.87%
+6.2% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
58.60%
-3.7% YoY
-5.2% QoQ
|
-1.13% |
59.73%
-12.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
0.68%
-6.9% QoQ
|
-0.18% |
0.87%
+11.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
96.48%
+3.0% YoY
+5.2% QoQ
|
+11.44% |
85.04%
-0.1% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
18.63%
+5.3% YoY
+2.1% QoQ
|
-2.64% |
21.27%
-1.5% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.66%
+107.9% YoY
-7.0% QoQ
|
-0.01% |
0.67%
+11.7% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
10.73%
-1.5% YoY
+1.1% QoQ
|
-4.11% |
14.84%
-0.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 13.6% in tier |
| Non-Interest Income / Assets ? |
0.46%
+3.3% YoY
+91.9% QoQ
|
-0.06% |
0.53%
+2.5% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
78% |
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 |
18.6%
+0.9pp YoY +0.4pp QoQ |
-2.7pp | 21.4% | 24.0% | 22.2% | 42% |
| 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 |
39.8%
-3.4pp YoY +0.2pp QoQ |
+25.8pp | 14.0% | 16.9% | 12.5% | 95% |
| CRE |
39.6%
-0.6pp YoY -1.2pp QoQ |
-10.5pp | 50.0% | 43.5% | 41.4% | 24% |
| 1-4 Family |
15.4%
+0.8pp YoY +0.9pp QoQ |
-11.1pp | 26.4% | 30.6% | 31.3% | 32% |
| Consumer |
1.6%
-1.3pp YoY +0.4pp QoQ |
-3.1pp | 4.7% | 5.7% | 5.0% | 57% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.7%
-0.2pp YoY +0.1pp QoQ |
-4.9pp | 15.6% | 15.1% | 19.7% | 5% |
| Leverage Ratio |
9.6%
-0.1pp YoY +0.1pp QoQ |
-1.7pp | 11.3% | 13.2% | 12.6% | 24% |
| Total Capital Ratio |
11.9%
-0.1pp YoY +0.1pp QoQ |
-4.8pp | 16.7% | 16.2% | 20.8% | 8% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
170
+7 (+4.3%) YoY +6 (+3.7%) QoQ |
-144 | 313 | 304 | 482 | 31% |
| Assets per Employee ($) |
$12.5M
+10.5% YoY +0.8% QoQ |
+$2.1M | $10.5M | $6.9M | $8.8M | 81% |
| Branch Count |
4
0 YoY 0 QoQ |
-16 | 20 | 20 | 18 | 10% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.1pp | 0.2% | 0.2% | 0.4% | 62% |
| Nonaccrual |
0.6%
+0.6pp YoY -0.1pp QoQ |
-0.2pp | 0.8% | 1.2% | 1.0% | 59% |
| Allowance Coverage |
1.78x
-94.6% YoY +8.2% QoQ |
-16.93x | 18.71x | 7.50x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY +0.1pp QoQ |
0.0pp | 0.3% | 0.3% | 0.2% | 80% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.9%
0.0pp YoY +0.9pp QoQ |
+0.3pp | 12.6% | 10.0% | 11.6% | 56% |
| Cost of Funds (YTD) |
2.2%
-0.5pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.7% | 1.7% | 69% |
| Net Income ($, YTD) |
$12.1M
+14.6% YoY — QoQ |
-$7.1M | $19.2M | $17.2M | $40.4M | 48% |
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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.