BlastPoint

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Local Bank

$100M-$1B Specialty: Commercial AL FDIC cert 9614

Designations: ✓ CDFI-certified

Tuscaloosa, AL

3 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL
View $100M-$1B leaderboard (AL) →

Local Bank has 1 strength but faces 6 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

  • + Revenue Diversifier: Top 34.2% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 16.2% in tier
  • - NIB Deposit Bleed: Bottom 32.8% in tier
  • - Return on Assets 3.46% below tier average
  • - Loan-to-Deposit Ratio 32.26% above tier average
  • - Net Interest Margin 0.60% below tier average
  • - Delinquency Rate 0.56% above tier average
Get updates when Local 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 ? $105.4M
+24.2% YoY -3.9% QoQ
-$280.6M $386.1M
+0.5% YoY
$2.5B
+0.2% YoY
$6.2B
+9.1% YoY
Bottom 1.8% in tier
Total Loans ? $85.3M
+30.7% YoY +5.8% QoQ
-$170.4M $255.7M
+1.1% YoY
$1.5B
+2.4% YoY
$3.2B
+10.8% YoY
Bottom 13.6% in tier
Total Deposits ? $78.3M
+21.5% YoY -7.6% QoQ
-$249.7M $328.0M
+0.1% YoY
$2.1B
-0.2% YoY
$4.8B
+8.2% YoY
Bottom 0.9% in tier
Return on Assets ? -2.19%
-150.0% YoY
-3.46% 1.27%
+12.9% YoY
0.78%
-19.5% YoY
1.23%
+13.4% YoY
Bottom 0.6% in tier
Net Interest Margin ? 3.33%
-18.9% YoY -16.2% QoQ
-0.60% 3.93%
+6.0% YoY
3.99%
+5.2% YoY
3.89%
+5.7% YoY
23%
Efficiency Ratio ? 118.37%
+9.3% YoY +17.5% QoQ
+53.08% 65.29%
-4.5% YoY
72.13%
+5.1% YoY
66.95%
-4.1% YoY
Bottom 0.9% in tier
Delinquency Rate ? 1.45%
-17.6% QoQ
+0.56% 0.89%
+18.8% YoY
1.09%
+24.8% YoY
0.95%
+18.8% YoY
19%
Loan-to-Deposit Ratio ? 108.90%
+7.6% YoY +14.5% QoQ
+32.26% 76.64%
+0.8% YoY
67.08%
+2.0% YoY
76.70%
+0.9% YoY
Bottom 3.4% in tier
Non-Interest-Bearing Deposit Share ? 14.59%
-19.7% YoY +3.8% QoQ
-7.43% 22.02%
-1.0% YoY
23.89%
+0.0% YoY
22.01%
-1.2% YoY
23%
Nonperforming Asset Ratio ? 1.34%
-7.8% QoQ
+0.71% 0.64%
+19.7% YoY
0.71%
+24.8% YoY
0.67%
+19.3% YoY
Bottom 13.6% in tier
Tier 1 Capital Ratio ? 14.72%
-14.7% YoY +1.6% QoQ
-1.11% 15.83%
+1.5% YoY
16.96%
+13.8% YoY
17.06%
+0.8% YoY
64%
Non-Interest Income / Assets ? 1.84%
-1.2% YoY -74.8% QoQ
+1.56% 0.28%
+9.3% YoY
0.16%
-16.3% YoY
0.32%
+4.1% YoY
Top 1.0% in tier

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)

Revenue Diversifier

growth
#229 of 666 • Top 34.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.84%
(Tier: 0.28%, National: 0.32%)
better than tier avg
Return on Assets: -2.19%
(Tier: 1.27%, National: 1.23%)
but worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Efficiency Drag

risk
#68 of 414 • Bottom 16.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 118.37%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable | QoQ rank improving

NIB Deposit Bleed

decline
#66 of 198 • Bottom 32.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 14.59%
(Tier: 22.02%, National: 22.01%)
worse than tier avg
198 of 198 Community banks match · 238 nationally
↓ Shrinking -31 banks QoQ | QoQ rank declining

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

28
Non-Interest Income / Assets
revenue_mix
Value: 1.84%
Peer Median: 0.28%
#28 of 2664 Top 1.0% in $100M-$1B

Top Weaknesses (10 metrics)

2648
Return on Assets
profitability
Value: -2.19%
Peer Median: 1.27%
#2648 of 2664 Bottom 0.6% in $100M-$1B
2642
Efficiency Ratio
profitability
Value: 118.37%
Peer Median: 65.29%
#2642 of 2664 Bottom 0.9% in $100M-$1B
2642
Total Deposits
size
Value: $78.32M
Peer Median: $327.97M
#2642 of 2664 Bottom 0.9% in $100M-$1B
2617
Total Assets
size
Value: $105.44M
Peer Median: $386.08M
#2617 of 2664 Bottom 1.8% in $100M-$1B
2575
Loan-to-Deposit Ratio
liquidity
Value: 108.90%
Peer Median: 76.64%
#2575 of 2664 Bottom 3.4% in $100M-$1B
2304
Total Loans
size
Value: $85.29M
Peer Median: $255.72M
#2304 of 2664 Bottom 13.6% in $100M-$1B
2303
Nonperforming Asset Ratio
credit_quality
Value: 1.34%
Peer Median: 0.64%
#2303 of 2664 Bottom 13.6% in $100M-$1B
2146
Delinquency Rate
credit_quality
Value: 1.45%
Peer Median: 0.89%
#2146 of 2654 Bottom 19.2% in $100M-$1B
2056
Non-Interest-Bearing Deposit Share
funding
Value: 14.59%
Peer Median: 22.02%
#2056 of 2664 Bottom 22.9% in $100M-$1B
2053
Net Interest Margin
profitability
Value: 3.33%
Peer Median: 3.93%
#2053 of 2664 Bottom 23.0% in $100M-$1B
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