BlastPoint's Banking Scorecard
Bank of Madison
Madison, GA
4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
- Deposits +1.8% year over year ($398.1M on the books).
- Delinquency rate 0.02%.
- Return on assets 1.88%.
- Efficiency ratio 46.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.87% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Madison demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 31.8% in tier
- + Net Interest Margin 0.52% above tier average
- + Efficiency Ratio 17.96% below tier average
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$448.1M
+3.0% YoY
-0.2% QoQ
|
+$61.5M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$321.9M
+7.3% YoY
+2.5% QoQ
|
+$63.6M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
70% |
| Total Deposits ? |
$398.1M
+1.8% YoY
-0.7% QoQ
|
+$71.3M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
70% |
| Return on Assets ? |
1.88%
+31.5% YoY
-6.4% QoQ
|
+0.56% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
83% |
| Net Interest Margin ? |
4.50%
+9.7% YoY
+0.4% QoQ
|
+0.52% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
46.52%
-16.3% YoY
+5.4% QoQ
|
-17.96% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
Top 10.9% in tier |
| Delinquency Rate ? |
0.02%
-50.9% YoY
-13.0% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
80.87%
+5.4% YoY
+3.2% QoQ
|
+2.92% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
26.14%
-0.1% YoY
+0.3% QoQ
|
+4.11% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.01%
-92.3% YoY
-10.6% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
Top 14.4% in tier |
| Tier 1 Capital Ratio ? |
14.61%
+7.5% YoY
+3.1% QoQ
|
-1.30% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.13%
+0.8% YoY
+101.5% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
28% |
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 |
26.1%
0.0pp YoY +0.1pp QoQ |
+4.0pp | 22.1% | 26.2% | 22.2% | 70% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
4.2%
-0.6pp YoY -0.4pp QoQ |
-7.3pp | 11.6% | 9.7% | 12.5% | 15% |
| CRE |
48.5%
-0.6pp YoY -1.9pp QoQ |
+9.0pp | 39.5% | 48.9% | 41.4% | 68% |
| 1-4 Family |
31.4%
+2.3pp YoY +1.6pp QoQ |
-1.3pp | 32.6% | 31.7% | 31.3% | 54% |
| Consumer |
0.3%
-0.5pp YoY -0.2pp QoQ |
-3.8pp | 4.1% | 4.8% | 5.0% | 12% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.6%
+1.0pp YoY +0.4pp QoQ |
-4.2pp | 18.8% | 20.9% | 19.7% | 45% |
| Leverage Ratio |
11.6%
+0.9pp YoY +0.2pp QoQ |
-0.6pp | 12.2% | 14.0% | 12.6% | 59% |
| Total Capital Ratio |
15.9%
+1.0pp YoY +0.4pp QoQ |
-4.1pp | 19.9% | 22.1% | 20.8% | 46% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
69
+5 (+7.8%) YoY +2 (+3.0%) QoQ |
+10 | 58 | 98 | 482 | 70% |
| Assets per Employee ($) |
$6.5M
-4.5% YoY -3.1% QoQ |
-$1.0M | $7.5M | $7.5M | $8.8M | 43% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 5% |
| Allowance Coverage |
81.02x
+94.5% YoY +12.4% QoQ |
+56.86x | 24.15x | 38.10x | 20.23x | 96% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 29% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.6%
+2.8pp YoY -1.5pp QoQ |
+6.4pp | 12.2% | 13.6% | 11.6% | 84% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 51% |
| Net Income ($, YTD) |
$4.1M
+37.5% YoY — QoQ |
+$1.6M | $2.6M | $6.6M | $40.4M | 82% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.