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
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 6.30% below tier average
- - Efficiency Ratio 135.97% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.9M
+28.4% QoQ
|
-$18.6M |
$62.4M
-0.0% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$8.3M
+172.5% QoQ
|
-$26.6M |
$34.9M
-0.6% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.7% in tier |
| Total Deposits ? |
$21.1M
+93.2% QoQ
|
-$30.6M |
$51.6M
-0.2% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.0% in tier |
| Return on Assets ? |
-5.30%
+11.9% QoQ
|
-6.30% |
1.00%
+3.5% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 2.1% in tier |
| Net Interest Margin ? |
4.02%
-25.2% QoQ
|
+0.10% |
3.91%
+2.3% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
57% |
| Efficiency Ratio ? |
255.37%
-9.1% QoQ
|
+135.97% |
119.40%
+49.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 1.9% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
39.47%
+41.0% QoQ
|
-34.74% |
74.21%
+12.6% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
8.84%
-29.5% QoQ
|
-14.65% |
23.49%
+0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
56.70%
-75.5% QoQ
|
+29.57% |
27.13%
+3.0% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 7.8% in tier |
| Non-Interest Income / Assets ? |
0.06%
+143.3% QoQ
|
-1.32% |
1.38%
+6.3% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
21% |
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 |
8.8%
-3.7pp QoQ |
-15.8pp | 24.6% | 24.0% | 22.2% | 9% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
36.2%
-7.2pp QoQ |
+22.8pp | 13.4% | 16.9% | 12.5% | 95% |
| CRE | n/a | n/a | 25.2% | 43.5% | 41.4% | n/a |
| 1-4 Family |
23.2%
-4.6pp QoQ |
-11.8pp | 35.0% | 30.6% | 31.3% | 41% |
| Consumer |
4.7%
-0.5pp QoQ |
-2.9pp | 7.7% | 5.7% | 5.0% | 47% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
56.7%
-17.1pp QoQ |
+39.0pp | 17.7% | 13.2% | 12.6% | 96% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
+2 (+16.7%) QoQ |
+2 | 12 | 304 | 482 | 67% |
| Assets per Employee ($) |
$3.1M
+10.1% QoQ |
-$3.1M | $6.2M | $6.9M | $8.8M | 9% |
| Branch Count |
2
0 QoQ |
+0 | 1 | 20 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.2% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 7.50x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-8.1%
-0.2pp QoQ |
-14.4pp | 6.4% | 10.0% | 11.6% | 5% |
| Cost of Funds (YTD) |
1.5%
+0.2pp QoQ |
+0.1pp | 1.4% | 1.7% | 1.7% | 56% |
| Net Income ($, YTD) |
$-927000.0
— QoQ |
-$1.2M | $317,817 | $17.2M | $40.4M | 2% |
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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)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.