BlastPoint's Banking Scorecard

BankSouth

$100M-$1B Specialty: Commercial AL FDIC cert 77

Dothan, AL

2 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL

BankSouth has 2 strengths but faces 4 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

+ Credit Quality Leader: Top 20.8% in tier
+ Efficiency Ratio 2.13% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 17.6% in tier
- Liquidity Strain: Bottom 42.5% in tier
- Non-Interest Income / Assets 0.27% below tier average
- Net Interest Margin 0.14% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$217.9M +3.0% YoY +3.5% QoQ	-$168.2M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	31%
Total Loans ?	$170.5M +5.6% YoY +0.4% QoQ	-$85.2M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	41%
Total Deposits ?	$175.5M +3.2% YoY +4.0% QoQ	-$152.5M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	28%
Return on Assets ?	1.27% +5.9% YoY -11.8% QoQ	+0.00%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	3.79% +8.5% YoY +0.7% QoQ	-0.14%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	46%
Efficiency Ratio ?	63.16% +1.3% YoY +7.8% QoQ	-2.13%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	51%
Delinquency Rate ?	0.02% -5.3% YoY -0.4% QoQ	-0.87%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	97.19% +2.4% YoY -3.5% QoQ	+20.55%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	Bottom 12.3% in tier
Non-Interest-Bearing Deposit Share ?	14.75% -0.8% YoY -4.0% QoQ	-7.27%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	0.02% -3.0% YoY -3.3% QoQ	-0.62%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	19.41% +0.6% YoY -0.4% QoQ	+3.58%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	Top 14.8% in tier
Non-Interest Income / Assets ?	0.01% -10.4% YoY -87.9% QoQ	-0.27%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	Bottom 1.0% in tier

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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 (1)

Credit Quality Leader

growth

#139 of 664 • Top 20.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk

#131 of 739 • Bottom 17.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.41%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 97.19%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#274 of 643 • Bottom 42.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.19%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

394

Tier 1 Capital Ratio

capital

Value: 19.41%

Peer Median: 15.83%

#394 of 2664 Top 14.8% in $100M-$1B

420

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#420 of 2664 Top 15.7% in $100M-$1B

431

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#431 of 2654 Top 16.2% in $100M-$1B

Top Weaknesses (3 metrics)

2639

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2639 of 2664 Bottom 1.0% in $100M-$1B

2338

Loan-to-Deposit Ratio

liquidity

Value: 97.19%

Peer Median: 76.64%

#2338 of 2664 Bottom 12.3% in $100M-$1B

2042

Non-Interest-Bearing Deposit Share

funding

Value: 14.75%

Peer Median: 22.02%

#2042 of 2664 Bottom 23.4% in $100M-$1B