BlastPoint's Banking Scorecard
Apex Banking Company of Georgia
Designations: ✓ Community bank
Cleveland, GA
2 branches across 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 +8.7% year over year ($66.5M on the books).
- Delinquency rate 0.03%.
- Return on assets 0.55%.
- Efficiency ratio 84.55% vs a 119.40% peer average.
- Loan-to-deposit ratio 67.32% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Apex Banking Company of Georgia has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.16% above tier average
- + Efficiency Ratio 34.84% below tier average
- + Delinquency Rate 1.45% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$72.6M
+9.1% YoY
-0.8% QoQ
|
+$10.2M |
$62.4M
-0.0% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$44.8M
+28.0% YoY
+6.3% QoQ
|
+$9.9M |
$34.9M
-0.6% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$66.5M
+8.7% YoY
-0.5% QoQ
|
+$14.9M |
$51.6M
-0.2% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
0.55%
+51.7% YoY
+6.8% QoQ
|
-0.45% |
1.00%
+3.5% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
5.07%
+3.9% YoY
+4.1% QoQ
|
+1.16% |
3.91%
+2.3% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 10.4% in tier |
| Efficiency Ratio ? |
84.55%
-3.9% YoY
-1.0% QoQ
|
-34.84% |
119.40%
+49.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.03%
-82.0% YoY
-17.0% QoQ
|
-1.45% |
1.48%
+31.8% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
67.32%
+17.7% YoY
+6.8% QoQ
|
-6.89% |
74.21%
+12.6% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
23.83%
-9.0% YoY
+0.7% QoQ
|
+0.34% |
23.49%
+0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.02%
-78.8% YoY
-11.0% QoQ
|
-0.82% |
0.84%
+23.0% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
9.70%
-4.7% YoY
+3.5% QoQ
|
-17.42% |
27.13%
+3.0% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.7% in tier |
| Non-Interest Income / Assets ? |
0.23%
+41.9% YoY
+120.5% QoQ
|
-1.15% |
1.38%
+6.3% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
75% |
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 |
23.8%
-2.3pp YoY +0.2pp QoQ |
-0.8pp | 24.6% | 26.2% | 22.2% | 50% |
| 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 |
8.1%
-1.0pp YoY -1.4pp QoQ |
-5.3pp | 13.4% | 9.7% | 12.5% | 39% |
| CRE |
37.5%
+0.8pp YoY +2.5pp QoQ |
+12.2pp | 25.2% | 48.9% | 41.4% | 79% |
| 1-4 Family |
50.8%
+0.7pp YoY -0.8pp QoQ |
+15.8pp | 35.0% | 31.7% | 31.3% | 72% |
| Consumer |
4.9%
-0.7pp YoY -0.3pp QoQ |
-2.7pp | 7.7% | 4.8% | 5.0% | 50% |
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 |
9.7%
-0.5pp YoY +0.3pp QoQ |
-8.0pp | 17.7% | 14.0% | 12.6% | 15% |
| 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 |
20
+2 (+11.1%) YoY +1 (+5.3%) QoQ |
+8 | 12 | 98 | 482 | 88% |
| Assets per Employee ($) |
$3.6M
-1.8% YoY -5.8% QoQ |
-$2.6M | $6.2M | $7.5M | $8.8M | 14% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 6 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-1.0pp | 1.0% | 0.1% | 0.4% | 0% |
| Nonaccrual |
0.0%
-0.2pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 0.8% | 1.0% | 3% |
| Allowance Coverage |
37.67x
+405.9% YoY +18.1% QoQ |
+31.26x | 6.41x | 38.10x | 20.23x | 97% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
+2.5pp YoY +0.4pp QoQ |
+0.6pp | 6.4% | 13.6% | 11.6% | 43% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.6% | 1.7% | 31% |
| Net Income ($, YTD) |
$203,000
+79.6% YoY — QoQ |
-$115K | $317,817 | $6.6M | $40.4M | 38% |
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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.