BlastPoint's Banking Scorecard
Solutions Plus Bank
Designations: ✓ Community bank
Albertville, AL
2 branches across AL
Solutions Plus Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.50% above tier average
- + Delinquency Rate 1.36% below tier average
- + Nonperforming Asset Ratio 0.77% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 6.87% below tier average
- - Efficiency Ratio 193.41% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$34.1M
+27.0% QoQ
|
-$28.1M |
$62.3M
-0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.0% YoY
|
Bottom 14.7% in tier |
| Total Loans ? | $3.1M | -$31.2M |
$34.3M
-1.5% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.7% YoY
|
Bottom 4.5% in tier |
| Total Deposits ? |
$10.9M
+253.5% QoQ
|
-$40.9M |
$51.8M
-0.6% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.0% YoY
|
Bottom 4.8% in tier |
| Return on Assets ? |
-6.02%
+36.4% QoQ
|
-6.87% |
0.86%
-3.6% YoY
|
0.78%
-19.5% YoY
|
1.24%
+13.1% YoY
|
Bottom 1.5% in tier |
| Net Interest Margin ? |
5.37%
-92.5% QoQ
|
+1.50% |
3.87%
+2.7% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Top 5.8% in tier |
| Efficiency Ratio ? |
281.03%
-50.1% QoQ
|
+193.41% |
87.63%
+2.3% YoY
|
72.13%
+5.1% YoY
|
66.84%
-3.8% YoY
|
Bottom 1.1% in tier |
| Delinquency Rate ? | 0.00% | -1.36% |
1.36%
+33.7% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
27.99%
+297.8% QoQ
|
-36.12% |
64.11%
-0.9% YoY
|
67.08%
+2.0% YoY
|
76.69%
+0.9% YoY
|
Top 8.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.54%
-52.0% QoQ
|
-11.25% |
23.79%
+0.5% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.1% YoY
|
19% |
| Nonperforming Asset Ratio ? | 0.00% | -0.77% |
0.77%
+28.7% YoY
|
0.71%
+24.8% YoY
|
0.66%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
231.87%
+154.7% QoQ
|
+205.10% |
26.77%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Top 1.1% in tier |
| Non-Interest Income / Assets ? |
0.02%
+530.0% QoQ
|
-0.65% |
0.67%
+1.6% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.0% YoY
|
18% |
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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.