BlastPoint's Banking Scorecard

Solutions Plus Bank

under $100M Specialty: Other AL FDIC cert 59362

Designations: ✓ Community bank

Albertville, AL

2 branches across AL

541 banks in the under $100M peer group nationally 12 in AL

Solutions Plus Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.51% above tier average
+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 6.85% below tier average
- Efficiency Ratio 192.69% above tier average

Get updates when Solutions Plus Bank releases new data →

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	-$28.0M	$62.2M -0.6% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Bottom 15.0% in tier
Total Loans ?	$3.1M	-$31.2M	$34.2M -1.4% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Bottom 4.4% in tier
Total Deposits ?	$10.9M +253.5% QoQ	-$40.8M	$51.7M -0.7% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Bottom 5.0% in tier
Return on Assets ?	-6.02% +36.4% QoQ	-6.85%	0.84% -2.3% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	Bottom 1.5% in tier
Net Interest Margin ?	5.37% -92.5% QoQ	+1.51%	3.86% +2.8% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	Top 5.7% in tier
Efficiency Ratio ?	281.03% -50.1% QoQ	+192.69%	88.34% +0.3% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	Bottom 1.3% in tier
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% 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	-36.23%	64.22% -0.7% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	Top 8.1% in tier
Non-Interest-Bearing Deposit Share ?	12.54% -52.0% QoQ	-11.17%	23.71% +0.3% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	19%
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	231.87% +154.7% QoQ	+205.19%	26.68% +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	-0.64%	0.67% +1.9% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	18%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Tier 1 Capital Ratio

capital

Value: 231.87%

Peer Median: 26.68%

#7 of 541 Top 1.1% in under $100M

Net Interest Margin

profitability

Value: 5.37%

Peer Median: 3.86%

#32 of 541 Top 5.7% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 27.99%

Peer Median: 64.22%

#45 of 541 Top 8.1% in under $100M

Top Weaknesses (7 metrics)

535

Efficiency Ratio

profitability

Value: 281.03%

Peer Median: 88.34%

#535 of 541 Bottom 1.3% in under $100M

534

Return on Assets

profitability

Value: -6.02%

Peer Median: 0.84%

#534 of 541 Bottom 1.5% in under $100M

518

Total Loans

size

Value: $3.05M

Peer Median: $34.25M

#518 of 541 Bottom 4.4% in under $100M

515

Total Deposits

size

Value: $10.90M

Peer Median: $51.74M

#515 of 541 Bottom 5.0% in under $100M

461

Total Assets

size

Value: $34.14M

Peer Median: $62.16M

#461 of 541 Bottom 15.0% in under $100M

445

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#445 of 541 Bottom 17.9% in under $100M

440

Non-Interest-Bearing Deposit Share

funding

Value: 12.54%

Peer Median: 23.71%

#440 of 541 Bottom 18.9% in under $100M