BlastPoint's Banking Scorecard
Bank of Hancock County
Designations: ✓ Community bank
Sparta, GA
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 536 banks in the under $100M peer group nationwide — 1 of 13 in GA.
- Deposits +0.8% year over year ($71.4M on the books).
- Delinquency rate 0.86%.
- Return on assets 0.46%.
- Efficiency ratio 87.27% vs a 119.40% peer average.
- Loan-to-deposit ratio 23.53% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Hancock County has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 32.12% below tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Net Interest Margin 0.50% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.2M
+2.8% YoY
+0.8% QoQ
|
+$22.8M |
$62.4M
-0.0% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
78% |
| Total Loans ? |
$16.8M
-8.9% YoY
+0.4% QoQ
|
-$18.1M |
$34.9M
-0.6% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$71.4M
+0.8% YoY
+0.5% QoQ
|
+$19.7M |
$51.6M
-0.2% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
0.46%
+6.0% YoY
+27.3% QoQ
|
-0.54% |
1.00%
+3.5% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
3.42%
-1.8% YoY
+2.8% QoQ
|
-0.50% |
3.91%
+2.3% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
27% |
| Efficiency Ratio ? |
87.27%
-1.0% YoY
-2.7% QoQ
|
-32.12% |
119.40%
+49.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.86%
+51.9% YoY
-22.9% QoQ
|
-0.62% |
1.48%
+31.8% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
23.53%
-9.6% YoY
-0.1% QoQ
|
-50.68% |
74.21%
+12.6% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 6.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.79%
-3.1% YoY
+6.0% QoQ
|
+7.30% |
23.49%
+0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.17%
+34.7% YoY
-23.2% QoQ
|
-0.67% |
0.84%
+23.0% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
20.15%
-0.4% YoY
+1.0% QoQ
|
-6.97% |
27.13%
+3.0% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.18%
-2.7% YoY
+103.7% QoQ
|
-1.20% |
1.38%
+6.3% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
67% |
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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.8%
-1.0pp YoY +1.8pp QoQ |
+6.1pp | 24.6% | 26.2% | 22.2% | 76% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.2%
+6.0pp YoY -2.3pp QoQ |
+4.8pp | 13.4% | 9.7% | 12.5% | 76% |
| CRE | n/a | n/a | 25.2% | 48.9% | 41.4% | n/a |
| 1-4 Family |
38.4%
-0.2pp YoY -2.2pp QoQ |
+3.4pp | 35.0% | 31.7% | 31.3% | 59% |
| Consumer |
32.9%
+1.6pp YoY +0.4pp QoQ |
+25.2pp | 7.7% | 4.8% | 5.0% | 97% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
20.2%
-0.1pp YoY +0.2pp QoQ |
+2.5pp | 17.7% | 14.0% | 12.6% | 86% |
| Total Capital Ratio | n/a | n/a | 39.7% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
-2 (-10.5%) YoY +1 (+6.2%) QoQ |
+5 | 12 | 98 | 482 | 81% |
| Assets per Employee ($) |
$5.0M
+14.9% YoY -5.2% QoQ |
-$1.2M | $6.2M | $7.5M | $8.8M | 35% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
+0.4pp YoY -0.1pp QoQ |
-0.4pp | 1.0% | 0.1% | 0.4% | 55% |
| Nonaccrual |
0.3%
-0.1pp YoY -0.1pp QoQ |
-1.5pp | 1.7% | 0.8% | 1.0% | 29% |
| Allowance Coverage |
4.74x
-39.5% YoY +26.9% QoQ |
-1.67x | 6.41x | 38.10x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 0.2% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.9%
-0.1pp YoY +0.6pp QoQ |
-3.5pp | 6.4% | 13.6% | 11.6% | 23% |
| Cost of Funds (YTD) |
1.0%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.6% | 1.7% | 28% |
| Net Income ($, YTD) |
$196,000
+7.7% YoY — QoQ |
-$122K | $317,817 | $6.6M | $40.4M | 36% |
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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.