BlastPoint's Banking Scorecard

Bank of Hazlehurst

$100M-$1B Specialty: Agricultural GA FDIC cert 149

Hazlehurst, GA

2 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

Bank of Hazlehurst 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

+ Deposit Franchise: Top 29.4% in tier
+ ROA 0.82% above tier average
+ Efficiency Ratio 7.62% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 41.3% in tier

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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 ?	$137.5M +4.1% YoY -4.4% QoQ	-$248.6M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	Bottom 10.4% in tier
Total Loans ?	$52.4M +16.5% YoY +1.0% QoQ	-$203.3M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	Bottom 3.4% in tier
Total Deposits ?	$122.0M +2.7% YoY -4.0% QoQ	-$206.0M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Bottom 12.5% in tier
Return on Assets ?	2.09% -9.3% YoY -6.7% QoQ	+0.82%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 10.6% in tier
Net Interest Margin ?	4.67% -2.8% YoY -1.7% QoQ	+0.74%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 13.6% in tier
Efficiency Ratio ?	57.67% +5.6% YoY +4.3% QoQ	-7.62%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	67%
Delinquency Rate ?	0.86% +101.5% YoY -38.9% QoQ	-0.02%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	43.00% +13.4% YoY +5.2% QoQ	-33.64%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	Top 5.5% in tier
Non-Interest-Bearing Deposit Share ?	52.40% +4.8% YoY -3.6% QoQ	+30.38%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 1.3% in tier
Nonperforming Asset Ratio ?	0.33% +125.4% YoY -35.5% QoQ	-0.31%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	48%
Tier 1 Capital Ratio ?	30.91% -1.7% YoY -2.3% QoQ	+15.07%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 3.5% in tier
Non-Interest Income / Assets ?	0.10% -0.3% YoY -74.2% QoQ	-0.18%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	51%

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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 (1)

Deposit Franchise

growth

#81 of 272 • Top 29.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 52.40%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.67%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#306 of 739 • Bottom 41.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 30.91%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 43.00%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 52.40%

Peer Median: 22.02%

#35 of 2664 Top 1.3% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 30.91%

Peer Median: 15.83%

#94 of 2664 Top 3.5% in $100M-$1B

148

Loan-to-Deposit Ratio

liquidity

Value: 43.00%

Peer Median: 76.64%

#148 of 2664 Top 5.5% in $100M-$1B

284

Return on Assets

profitability

Value: 2.09%

Peer Median: 1.27%

#284 of 2664 Top 10.6% in $100M-$1B

364

Net Interest Margin

profitability

Value: 4.67%

Peer Median: 3.93%

#364 of 2664 Top 13.6% in $100M-$1B

Top Weaknesses (3 metrics)

2574

Total Loans

size

Value: $52.45M

Peer Median: $255.72M

#2574 of 2664 Bottom 3.4% in $100M-$1B

2389

Total Assets

size

Value: $137.46M

Peer Median: $386.08M

#2389 of 2664 Bottom 10.4% in $100M-$1B

2333

Total Deposits

size

Value: $121.98M

Peer Median: $327.97M

#2333 of 2664 Bottom 12.5% in $100M-$1B