BlastPoint's Banking Scorecard
Oakworth Capital Bank
Designations: ✓ Community bank
Birmingham, AL
4 branches across AL · NC · TN
Oakworth Capital Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.15% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 47.6% in tier
- - Liquidity Strain: Bottom 49.7% in tier
- - Net Interest Margin 0.13% below tier average
- - Efficiency Ratio 0.73% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+12.3% YoY
-0.3% QoQ
|
-$774.4M |
$2.8B
-0.1% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$1.6B
+11.5% YoY
+3.8% QoQ
|
-$319.3M |
$2.0B
+0.6% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$1.8B
+9.9% YoY
-2.4% QoQ
|
-$549.0M |
$2.3B
-0.3% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
1.09%
-12.3% YoY
-7.1% QoQ
|
-0.28% |
1.37%
+19.6% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.69%
-1.9% YoY
-2.0% QoQ
|
-0.13% |
3.82%
+6.9% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
61.79%
+3.4% YoY
+0.2% QoQ
|
+0.73% |
61.06%
-4.6% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
0.74%
+11.3% YoY
|
-0.15% |
0.89%
+14.1% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
91.71%
+1.5% YoY
+6.4% QoQ
|
+7.50% |
84.20%
+0.3% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
18.24%
+7.7% YoY
+7.1% QoQ
|
-3.05% |
21.29%
-2.5% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.72%
-14.1% YoY
+274.0% QoQ
|
+0.04% |
0.67%
+15.6% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
10.61%
-0.2% YoY
-1.2% QoQ
|
-4.55% |
15.16%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.5% in tier |
| Non-Interest Income / Assets ? |
0.24%
+4.5% YoY
-71.3% QoQ
|
-0.02% |
0.26%
+1.6% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
79% |
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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 (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.