BlastPoint's Banking Scorecard
Bank of Alapaha
Alapaha, GA
4 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 +5.1% year over year ($230.0M on the books).
- Delinquency rate 0.35%.
- Return on assets 0.65%.
- Efficiency ratio 76.06% vs a 64.48% peer average.
- Loan-to-deposit ratio 53.80% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Alapaha has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Net Interest Margin 0.55% below tier average
- - Efficiency Ratio 11.58% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$251.0M
+5.7% YoY
+0.1% QoQ
|
-$135.6M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$123.7M
+3.3% YoY
+5.7% QoQ
|
-$134.6M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$230.0M
+5.1% YoY
-0.1% QoQ
|
-$96.8M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
41% |
| Return on Assets ? |
0.65%
-10.5% YoY
-0.6% QoQ
|
-0.67% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
3.44%
-0.4% YoY
+2.1% QoQ
|
-0.55% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
25% |
| Efficiency Ratio ? |
76.06%
+0.4% YoY
+2.5% QoQ
|
+11.58% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
19% |
| Delinquency Rate ? |
0.35%
-17.0% YoY
-11.7% QoQ
|
-0.57% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
53.80%
-1.7% YoY
+5.7% QoQ
|
-24.15% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 11.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.77%
+5.5% YoY
+2.5% QoQ
|
+6.74% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.17%
-18.9% YoY
-6.8% QoQ
|
-0.50% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
19.50%
+3.8% YoY
-2.2% QoQ
|
+3.59% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Top 14.9% in tier |
| Non-Interest Income / Assets ? |
0.15%
-17.4% YoY
+102.4% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
36% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
28.8%
+1.5pp YoY +0.7pp QoQ |
+6.6pp | 22.1% | 26.2% | 22.2% | 78% |
| 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 |
25.0%
+5.4pp YoY +0.7pp QoQ |
+13.5pp | 11.6% | 9.7% | 12.5% | 93% |
| CRE | n/a | n/a | 39.5% | 48.9% | 41.4% | n/a |
| 1-4 Family |
43.5%
-0.2pp YoY -1.6pp QoQ |
+10.9pp | 32.6% | 31.7% | 31.3% | 75% |
| Consumer |
4.8%
-1.7pp YoY +0.1pp QoQ |
+0.7pp | 4.1% | 4.8% | 5.0% | 76% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.5%
+0.7pp YoY -0.4pp QoQ |
+0.7pp | 18.8% | 20.9% | 19.7% | 76% |
| Leverage Ratio |
10.2%
0.0pp YoY +0.1pp QoQ |
-1.9pp | 12.2% | 14.0% | 12.6% | 36% |
| Total Capital Ratio |
20.8%
+0.7pp YoY -0.4pp QoQ |
+0.8pp | 19.9% | 22.1% | 20.8% | 76% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
54
+6 (+12.5%) YoY +3 (+5.9%) QoQ |
-5 | 58 | 98 | 482 | 57% |
| Assets per Employee ($) |
$4.6M
-6.1% YoY -5.5% QoQ |
-$2.9M | $7.5M | $7.5M | $8.8M | 10% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.1% | 0.4% | 19% |
| Nonaccrual |
0.3%
0.0pp YoY -0.1pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 42% |
| Allowance Coverage |
6.88x
+18.4% YoY +7.7% QoQ |
-17.28x | 24.15x | 38.10x | 20.23x | 76% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.1% | 0.1% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.6%
-2.1pp YoY -0.1pp QoQ |
-3.6pp | 12.2% | 13.6% | 11.6% | 28% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 22% |
| Net Income ($, YTD) |
$818,000
-5.8% YoY — QoQ |
-$1.7M | $2.6M | $6.6M | $40.4M | 20% |
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.