BlastPoint's Banking Scorecard

Bank of Moundville

$100M-$1B Specialty: Other AL FDIC cert 9057

Designations: ✓ CDFI-certified

Moundville, AL

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

Bank of Moundville faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Net Interest Margin 1.18% below tier average
- Delinquency Rate 4.28% above tier average
- Nonperforming Asset Ratio 1.48% above tier average
- ROA 0.88% below tier average
- Efficiency Ratio 13.76% above 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 ?	$138.5M +8.1% YoY +3.7% QoQ	-$247.6M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Bottom 10.7% in tier
Total Loans ?	$56.7M -1.7% YoY -0.7% QoQ	-$199.0M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Bottom 4.1% in tier
Total Deposits ?	$121.8M +7.8% YoY +4.1% QoQ	-$206.1M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Bottom 12.3% in tier
Return on Assets ?	0.39% +0.7% YoY -11.5% QoQ	-0.88%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	Bottom 10.5% in tier
Net Interest Margin ?	2.75% +1.8% YoY +1.1% QoQ	-1.18%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	Bottom 6.2% in tier
Efficiency Ratio ?	79.05% -1.0% YoY +1.1% QoQ	+13.76%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	17%
Delinquency Rate ?	5.16% +0.3% QoQ	+4.28%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	Bottom 2.0% in tier
Loan-to-Deposit Ratio ?	46.56% -8.8% YoY -4.6% QoQ	-30.08%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	Top 7.1% in tier
Non-Interest-Bearing Deposit Share ?	21.34% -22.2% YoY -9.0% QoQ	-0.68%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	2.11% -4.0% QoQ	+1.48%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	Bottom 5.9% in tier
Tier 1 Capital Ratio ?	15.71% -8.5% YoY -2.3% QoQ	-0.12%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.06% -11.7% YoY -78.5% QoQ	-0.22%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	26%

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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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

190

Loan-to-Deposit Ratio

liquidity

Value: 46.56%

Peer Median: 76.64%

#190 of 2664 Top 7.1% in $100M-$1B

Top Weaknesses (8 metrics)

2602

Delinquency Rate

credit_quality

Value: 5.16%

Peer Median: 0.89%

#2602 of 2654 Bottom 2.0% in $100M-$1B

2555

Total Loans

size

Value: $56.72M

Peer Median: $255.72M

#2555 of 2664 Bottom 4.1% in $100M-$1B

2507

Nonperforming Asset Ratio

credit_quality

Value: 2.11%

Peer Median: 0.64%

#2507 of 2664 Bottom 5.9% in $100M-$1B

2500

Net Interest Margin

profitability

Value: 2.75%

Peer Median: 3.93%

#2500 of 2664 Bottom 6.2% in $100M-$1B

2385

Return on Assets

profitability

Value: 0.39%

Peer Median: 1.27%

#2385 of 2664 Bottom 10.5% in $100M-$1B

2380

Total Assets

size

Value: $138.50M

Peer Median: $386.08M

#2380 of 2664 Bottom 10.7% in $100M-$1B

2336

Total Deposits

size

Value: $121.84M

Peer Median: $327.97M

#2336 of 2664 Bottom 12.3% in $100M-$1B

2225

Efficiency Ratio

profitability

Value: 79.05%

Peer Median: 65.29%

#2225 of 2664 Bottom 16.5% in $100M-$1B