BlastPoint's Banking Scorecard
Durden Banking Company, Incorporated
Twin City, GA
4 branches across GA
Durden Banking Company, Incorporated has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 0.8% in tier
- + Revenue Diversifier: Top 27.9% in tier
- + Deposit Franchise: Top 48.9% in tier
- + Efficiency Ratio 21.66% below tier average
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 20.4% in tier
- - Credit Quality Pressure: Bottom 38.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$303.3M
+1.3% YoY
+6.9% QoQ
|
-$82.8M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$232.7M
+22.5% YoY
+0.9% QoQ
|
-$23.0M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
56% |
| Total Deposits ? |
$258.8M
-0.4% YoY
+8.8% QoQ
|
-$69.2M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
3.57%
+35.2% YoY
+15.3% QoQ
|
+2.30% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Top 0.9% in tier |
| Net Interest Margin ? |
6.00%
+9.7% YoY
+2.6% QoQ
|
+2.07% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 1.4% in tier |
| Efficiency Ratio ? |
43.63%
-20.2% YoY
-9.5% QoQ
|
-21.66% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
Top 7.3% in tier |
| Delinquency Rate ? |
0.36%
+281.4% YoY
+181.5% QoQ
|
-0.53% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
89.92%
+23.0% YoY
-7.2% QoQ
|
+13.28% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
29.89%
+1.7% YoY
+0.2% QoQ
|
+7.87% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.28%
+225.6% YoY
+165.9% QoQ
|
-0.36% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
20.73%
-6.8% YoY
-5.1% QoQ
|
+4.90% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Top 11.9% in tier |
| Non-Interest Income / Assets ? |
0.18%
+14.6% YoY
-75.0% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
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 (3)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.