BlastPoint's Banking Scorecard

Apex Banking Company of Georgia

under $100M Specialty: Commercial GA FDIC cert 10074

Designations: ✓ Community bank

Cleveland, GA

2 branches across GA

541 banks in the under $100M peer group nationally 13 in GA

Apex Banking Company of Georgia has 3 strengths but faces 1 concern

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

+ Net Interest Margin 1.01% above tier average
+ Efficiency Ratio 2.94% below tier average
+ Delinquency Rate 1.33% below tier average

Key Concerns

Areas that may need attention

- ROA 0.32% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$73.2M +15.2% YoY -4.4% QoQ	+$11.1M	$62.2M -0.6% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	62%
Total Loans ?	$42.1M +22.7% YoY +13.9% QoQ	+$7.9M	$34.2M -1.4% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$66.8M +14.6% YoY -5.4% QoQ	+$15.1M	$51.7M -0.7% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	0.51% +455.0% YoY +9.4% QoQ	-0.32%	0.84% -2.3% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	4.87% +4.7% YoY +1.6% QoQ	+1.01%	3.86% +2.8% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 13.3% in tier
Efficiency Ratio ?	85.40% -9.9% YoY +0.1% QoQ	-2.94%	88.34% +0.3% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	0.04% -42.3% YoY -68.9% QoQ	-1.33%	1.37% +33.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	63.04% +7.0% YoY +20.4% QoQ	-1.18%	64.22% -0.7% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	53%
Non-Interest-Bearing Deposit Share ?	23.67% -21.0% YoY +26.5% QoQ	-0.04%	23.71% +0.3% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.02% -38.5% YoY -63.0% QoQ	-0.76%	0.79% +28.2% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	9.38% -15.4% YoY -3.2% QoQ	-17.31%	26.68% +2.0% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Bottom 3.3% in tier
Non-Interest Income / Assets ?	0.10% +12.3% YoY -69.2% QoQ	-0.56%	0.67% +1.9% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	72%

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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 541 peers in under $100M

Top Strengths (1 metrics)

Net Interest Margin

profitability

Value: 4.87%

Peer Median: 3.86%

#73 of 541 Top 13.3% in under $100M

Top Weaknesses (1 metrics)

524

Tier 1 Capital Ratio

capital

Value: 9.38%

Peer Median: 26.68%

#524 of 541 Bottom 3.3% in under $100M