BlastPoint's Banking Scorecard
Bank of Alapaha
Alapaha, GA
4 branches across GA
Bank of Alapaha has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Net Interest Margin 0.56% below tier average
- - Efficiency Ratio 8.89% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$250.7M
+5.1% YoY
+0.2% QoQ
|
-$135.4M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$117.1M
+3.0% YoY
-1.9% QoQ
|
-$138.6M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$230.1M
+4.6% YoY
+0.2% QoQ
|
-$97.9M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
0.66%
+1.6% YoY
-10.3% QoQ
|
-0.61% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.37%
+0.1% YoY
-2.5% QoQ
|
-0.56% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
74.17%
-3.9% YoY
-0.7% QoQ
|
+8.89% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
0.40%
-48.5% YoY
+4.9% QoQ
|
-0.49% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
50.88%
-1.5% YoY
-2.2% QoQ
|
-25.76% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
Top 10.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.07%
+2.5% YoY
+3.8% QoQ
|
+6.05% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.19%
-49.5% YoY
+2.6% QoQ
|
-0.45% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
19.94%
+5.5% YoY
+2.6% QoQ
|
+4.11% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Top 13.6% in tier |
| Non-Interest Income / Assets ? |
0.08%
-26.8% YoY
-77.3% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
36% |
Get Full Access to Bank of Alapaha
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.