BlastPoint's Banking Scorecard
Bank of Hancock County
Designations: ✓ Community bank
Sparta, GA
Bank of Hancock County has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.25% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Net Interest Margin 0.55% below tier average
- - Efficiency Ratio 2.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$84.6M
-1.2% YoY
-1.8% QoQ
|
+$22.3M |
$62.3M
-0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.0% YoY
|
77% |
| Total Loans ? |
$16.7M
-14.4% YoY
-11.0% QoQ
|
-$17.6M |
$34.3M
-1.5% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.7% YoY
|
22% |
| Total Deposits ? |
$71.0M
-2.2% YoY
-1.9% QoQ
|
+$19.1M |
$51.8M
-0.6% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.0% YoY
|
76% |
| Return on Assets ? |
0.36%
-12.4% YoY
-37.6% QoQ
|
-0.49% |
0.86%
-3.6% YoY
|
1.50%
+0.6% YoY
|
1.24%
+13.1% YoY
|
24% |
| Net Interest Margin ? |
3.32%
-2.0% YoY
-4.6% QoQ
|
-0.55% |
3.87%
+2.7% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
89.73%
+1.5% YoY
+0.6% QoQ
|
+2.10% |
87.63%
+2.3% YoY
|
62.13%
-1.5% YoY
|
66.84%
-3.8% YoY
|
21% |
| Delinquency Rate ? |
1.11%
+141.5% YoY
+11.2% QoQ
|
-0.25% |
1.36%
+33.7% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
23.56%
-12.5% YoY
-9.3% QoQ
|
-40.55% |
64.11%
-0.9% YoY
|
71.10%
+2.8% YoY
|
76.69%
+0.9% YoY
|
Top 6.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.03%
-4.1% YoY
-42.6% QoQ
|
+5.25% |
23.79%
+0.5% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.1% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.22%
+109.1% YoY
+0.7% QoQ
|
-0.55% |
0.77%
+28.7% YoY
|
0.56%
+24.4% YoY
|
0.66%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
19.95%
+5.3% YoY
-0.3% QoQ
|
-6.82% |
26.77%
+2.0% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.09%
+2.5% YoY
-75.2% QoQ
|
-0.58% |
0.67%
+1.6% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.0% YoY
|
66% |
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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)
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Metric Rankings
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