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First State Bank of Blakely

$100M-$1B Specialty: Agricultural GA FDIC cert 15496

Blakely, GA

8 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 +2.7% year over year ($533.3M on the books).
  • Delinquency rate 3.41%.
  • Return on assets 1.79%.
  • Efficiency ratio 51.42% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.01% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

First State Bank of Blakely has 3 strengths but faces 4 concerns

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 0.96% above tier average
  • + ROA 0.47% above tier average
  • + Efficiency Ratio 13.06% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 11.3% in tier
  • - Margin Compression: Bottom 73.3% in tier
  • - Delinquency Rate 2.49% above tier average
  • - Nonperforming Asset Ratio 1.80% above tier average
Get updates when First State Bank of Blakely releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $668.2M
+2.0% YoY +0.6% QoQ
+$281.6M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
Top 14.2% in tier
Total Loans ? $448.0M
-1.1% YoY +2.0% QoQ
+$189.7M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
84%
Total Deposits ? $533.3M
+2.7% YoY +0.3% QoQ
+$206.6M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? 1.79%
-7.4% YoY +5.2% QoQ
+0.47% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 4.94%
-2.0% YoY +3.5% QoQ
+0.96% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 8.8% in tier
Efficiency Ratio ? 51.42%
+2.6% YoY -2.7% QoQ
-13.06% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
80%
Delinquency Rate ? 3.41%
+94.0% YoY -17.8% QoQ
+2.49% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
Bottom 5.1% in tier
Loan-to-Deposit Ratio ? 84.01%
-3.7% YoY +1.7% QoQ
+6.05% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 22.54%
+10.2% YoY +12.6% QoQ
+0.51% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
57%
Nonperforming Asset Ratio ? 2.47%
+95.4% YoY -12.4% QoQ
+1.80% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
Bottom 4.9% in tier
Tier 1 Capital Ratio ? 27.02%
+49.8% YoY +41.3% QoQ
+11.11% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Top 5.3% in tier
Non-Interest Income / Assets ? 0.23%
+51.0% YoY +194.3% QoQ
-0.34% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
58%

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 22.5%
+2.1pp YoY
+2.5pp QoQ
 +0.4pp 22.1% 26.2% 22.2% 57%
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 9.6%
-0.1pp YoY
-0.1pp QoQ
 -2.0pp 11.6% 9.7% 12.5% 50%
CRE 23.9%
+0.9pp YoY
-0.4pp QoQ
 -15.7pp 39.5% 48.9% 41.4% 24%
1-4 Family 16.1%
-1.0pp YoY
-0.7pp QoQ
 -16.5pp 32.6% 31.7% 31.3% 22%
Consumer 2.1%
-0.2pp YoY
-0.1pp QoQ
 -2.0pp 4.1% 4.8% 5.0% 50%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 27.0% +8.2pp 18.8% 20.9% 19.7% 91%
Leverage Ratio 19.2%
+1.2pp YoY
+0.1pp QoQ
 +7.0pp 12.2% 14.0% 12.6% 96%
Total Capital Ratio 28.3% +8.3pp 19.9% 22.1% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 107
+1 (+0.9%) YoY
-1 (-0.9%) QoQ
 +48 58 98 482 89%
Assets per Employee ($) $6.2M
+1.1% YoY
+1.6% QoQ
 -$1.3M $7.5M $7.5M $8.8M 38%
Branch Count 8
0 YoY
0 QoQ
 +3 4 6 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.2pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.4% 46%
Nonaccrual 3.3%
+1.9pp YoY
-0.7pp QoQ
 +2.4pp 0.9% 0.8% 1.0% 95%
Allowance Coverage 0.44x
-45.8% YoY
+29.4% QoQ
 -23.72x 24.15x 38.10x 20.23x 8%
Net Charge-off Rate (YTD) -0.0%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 9.4%
-1.6pp YoY
+0.4pp QoQ
 -2.8pp 12.2% 13.6% 11.6% 32%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 56%
Net Income ($, YTD) $6.0M
-6.5% YoY
— QoQ
 +$3.4M $2.6M $6.6M $40.4M 92%

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 (2)

Liquidity Overhang

risk
#85 of 742 • Bottom 11.3% 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: 27.02%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 84.01%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Margin Compression

decline
#226 of 307 • Bottom 73.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.79%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

142
Tier 1 Capital Ratio
capital
Value: 27.02%
Peer Median: 15.91%
#142 of 2643 Top 5.3% in $100M-$1B
234
Net Interest Margin
profitability
Value: 4.94%
Peer Median: 3.99%
#234 of 2643 Top 8.8% in $100M-$1B
375
Total Assets
size
Value: $668.20M
Peer Median: $386.57M
#375 of 2643 Top 14.2% in $100M-$1B
434
Total Loans
size
Value: $448.01M
Peer Median: $258.35M
#434 of 2643 Top 16.4% in $100M-$1B
456
Total Deposits
size
Value: $533.31M
Peer Median: $326.73M
#456 of 2643 Top 17.2% in $100M-$1B
522
Efficiency Ratio
profitability
Value: 51.42%
Peer Median: 64.48%
#522 of 2643 Top 19.7% in $100M-$1B
536
Return on Assets
profitability
Value: 1.79%
Peer Median: 1.32%
#536 of 2643 Top 20.2% in $100M-$1B

Top Weaknesses (2 metrics)

2515
Nonperforming Asset Ratio
credit_quality
Value: 2.47%
Peer Median: 0.67%
#2515 of 2643 Bottom 4.9% in $100M-$1B
2499
Delinquency Rate
credit_quality
Value: 3.41%
Peer Median: 0.92%
#2499 of 2633 Bottom 5.1% in $100M-$1B
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