BlastPoint's Banking Scorecard
Bank of Moundville
Designations: ✓ CDFI-certified
Moundville, AL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
- Deposits +6.2% year over year ($127.8M on the books).
- Delinquency rate 5.51%.
- Return on assets 0.39%.
- Efficiency ratio 79.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 45.49% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Moundville faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.93% below tier average
- - Net Interest Margin 1.27% below tier average
- - Delinquency Rate 4.59% above tier average
- - Nonperforming Asset Ratio 1.55% above tier average
- - Efficiency Ratio 15.19% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$144.6M
+6.7% YoY
+4.4% QoQ
|
-$242.0M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 12.6% in tier |
| Total Loans ? |
$58.2M
+5.6% YoY
+2.5% QoQ
|
-$200.2M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.3% in tier |
| Total Deposits ? |
$127.8M
+6.2% YoY
+4.9% QoQ
|
-$198.9M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.9% in tier |
| Return on Assets ? |
0.39%
-17.4% YoY
-0.2% QoQ
|
-0.93% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.6% in tier |
| Net Interest Margin ? |
2.72%
-0.6% YoY
-1.3% QoQ
|
-1.27% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 5.1% in tier |
| Efficiency Ratio ? |
79.67%
+3.7% YoY
+0.8% QoQ
|
+15.19% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate ? |
5.51%
+6.7% QoQ
|
+4.59% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 2.1% in tier |
| Loan-to-Deposit Ratio ? |
45.49%
-0.6% YoY
-2.3% QoQ
|
-32.46% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 6.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.47%
-5.4% YoY
+5.3% QoQ
|
+0.44% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
2.22%
+4.8% QoQ
|
+1.55% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
Bottom 5.9% in tier |
| Tier 1 Capital Ratio ? |
15.10%
-6.7% YoY
-3.9% QoQ
|
-0.81% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.11%
-5.7% YoY
+89.3% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
23% |
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 |
22.5%
-1.3pp YoY +1.1pp QoQ |
+0.3pp | 22.1% | 24.0% | 22.2% | 56% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
27.7%
+2.6pp YoY +0.7pp QoQ |
+16.1pp | 11.6% | 16.9% | 12.5% | 95% |
| CRE |
29.6%
-0.7pp QoQ |
-9.9pp | 39.5% | 43.5% | 41.4% | 34% |
| 1-4 Family |
33.3%
+0.5pp YoY -0.5pp QoQ |
+0.7pp | 32.6% | 30.6% | 31.3% | 58% |
| Consumer |
8.4%
+1.0pp YoY +0.6pp QoQ |
+4.3pp | 4.1% | 5.7% | 5.0% | 89% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
15.1%
-1.1pp YoY -0.6pp QoQ |
+2.9pp | 12.2% | 13.2% | 12.6% | 87% |
| Total Capital Ratio | n/a | n/a | 19.9% | 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
0 YoY +1 (+7.7%) QoQ |
-45 | 58 | 304 | 482 | 3% |
| Assets per Employee ($) |
$10.3M
+6.7% YoY -3.1% QoQ |
+$2.8M | $7.5M | $6.9M | $8.8M | 87% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
5.5%
+5.4pp YoY +0.3pp QoQ |
+4.6pp | 0.9% | 1.2% | 1.0% | 98% |
| Allowance Coverage |
0.19x
-95.6% YoY -6.6% QoQ |
-23.97x | 24.15x | 7.50x | 20.23x | 1% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 63% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.4%
-0.8pp YoY +0.1pp QoQ |
-8.8pp | 12.2% | 10.0% | 11.6% | 9% |
| Cost of Funds (YTD) |
1.8%
0.0pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 60% |
| Net Income ($, YTD) |
$273,000
-9.6% YoY — QoQ |
-$2.3M | $2.6M | $17.2M | $40.4M | 6% |
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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.