BlastPoint's Banking Scorecard
Pineland Bank
Alma, GA
9 branches across GA · FL
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 +2.1% year over year ($532.6M on the books).
- Delinquency rate 0.50%.
- Return on assets 1.66%.
- Efficiency ratio 56.49% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.17% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pineland Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 22.3% in tier
- + ROA 0.34% above tier average
- + Efficiency Ratio 7.99% below tier average
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 37.1% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$597.1M
+3.1% YoY
+4.8% QoQ
|
+$210.5M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$416.4M
+5.0% YoY
+1.8% QoQ
|
+$158.0M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
81% |
| Total Deposits ? |
$532.6M
+2.1% YoY
+5.6% QoQ
|
+$205.9M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
1.66%
+11.6% YoY
-0.4% QoQ
|
+0.34% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
5.15%
+1.4% YoY
-0.9% QoQ
|
+1.17% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 6.0% in tier |
| Efficiency Ratio ? |
56.49%
-4.8% YoY
+1.6% QoQ
|
-7.99% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
0.50%
-39.8% YoY
+545.1% QoQ
|
-0.42% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
78.17%
+2.8% YoY
-3.6% QoQ
|
+0.22% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
35.60%
+5.1% YoY
+7.3% QoQ
|
+13.57% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
Top 9.2% in tier |
| Nonperforming Asset Ratio ? |
0.35%
-38.7% YoY
-45.2% QoQ
|
-0.32% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
10.48%
+12.9% YoY
+1.6% QoQ
|
-5.43% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.23%
+9.2% YoY
+97.1% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
59% |
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 |
35.6%
+1.7pp YoY +2.4pp QoQ |
+13.5pp | 22.1% | 26.2% | 22.2% | 91% |
| 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 |
9.0%
-0.7pp YoY +0.2pp QoQ |
-2.5pp | 11.6% | 9.7% | 12.5% | 47% |
| CRE |
49.7%
-0.7pp YoY -1.4pp QoQ |
+10.1pp | 39.5% | 48.9% | 41.4% | 69% |
| 1-4 Family |
24.8%
+0.6pp YoY +0.1pp QoQ |
-7.8pp | 32.6% | 31.7% | 31.3% | 40% |
| Consumer |
2.1%
-0.1pp YoY 0.0pp QoQ |
-2.0pp | 4.1% | 4.8% | 5.0% | 49% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
10.5%
+1.2pp YoY +0.2pp QoQ |
-1.7pp | 12.2% | 14.0% | 12.6% | 41% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
97
-7 (-6.7%) YoY -10 (-9.3%) QoQ |
+38 | 58 | 98 | 482 | 86% |
| Assets per Employee ($) |
$6.2M
+10.6% YoY +15.6% QoQ |
-$1.4M | $7.5M | $7.5M | $8.8M | 36% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 6 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.3pp YoY +0.4pp QoQ |
-0.4pp | 0.9% | 0.8% | 1.0% | 53% |
| Allowance Coverage |
3.55x
+83.0% YoY -84.5% QoQ |
-20.60x | 24.15x | 38.10x | 20.23x | 62% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.5%
0.0pp YoY -0.1pp QoQ |
+4.3pp | 12.2% | 13.6% | 11.6% | 75% |
| Cost of Funds (YTD) |
1.2%
-0.3pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 19% |
| Net Income ($, YTD) |
$4.8M
+16.2% YoY — QoQ |
+$2.3M | $2.6M | $6.6M | $40.4M | 86% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.