BlastPoint's Banking Scorecard
First State Bank of Blakely
Blakely, GA
8 branches across GA
First State Bank of Blakely has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.43% above tier average
- + Net Interest Margin 0.85% above tier average
- + Efficiency Ratio 12.43% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 36.7% in tier
- - Margin Compression: Bottom 62.0% in tier
- - Delinquency Rate 3.26% above tier average
- - Nonperforming Asset Ratio 2.18% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$664.1M
-0.5% YoY
-0.7% QoQ
|
+$278.1M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
Top 14.5% in tier |
| Total Loans ? |
$439.1M
+0.8% YoY
+1.8% QoQ
|
+$183.4M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
83% |
| Total Deposits ? |
$531.6M
-0.3% YoY
+0.5% QoQ
|
+$203.6M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
82% |
| Return on Assets ? |
1.70%
-8.4% YoY
-6.3% QoQ
|
+0.43% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
4.78%
-2.1% YoY
-3.9% QoQ
|
+0.85% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 11.5% in tier |
| Efficiency Ratio ? |
52.86%
+4.7% YoY
+4.7% QoQ
|
-12.43% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
4.15%
+656.9% YoY
+3.5% QoQ
|
+3.26% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.1% in tier |
| Loan-to-Deposit Ratio ? |
82.60%
+1.1% YoY
+1.3% QoQ
|
+5.96% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
20.02%
-4.3% YoY
-8.5% QoQ
|
-2.00% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
2.82%
+584.1% YoY
+7.0% QoQ
|
+2.18% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.3% in tier |
| Tier 1 Capital Ratio ? |
19.13%
-24.6% YoY
-28.7% QoQ
|
+3.30% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.08%
+4.5% YoY
-74.0% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
37% |
Get Full Access to First State Bank of Blakely
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.