BlastPoint's Banking Scorecard

Pineland Bank

$100M-$1B Specialty: Commercial GA FDIC cert 15699

Alma, GA

9 branches across GA · FL

2664 banks in the $100M-$1B peer group nationally 99 in GA

Pineland Bank has 4 strengths but faces 1 concern

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

+ Deposit Franchise: Top 29.8% in tier
+ ROA 0.40% above tier average
+ Efficiency Ratio 9.71% below tier average
+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 28.5% in tier

Get updates when Pineland Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$569.6M +2.5% YoY -0.1% QoQ	+$183.5M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$408.9M +4.9% YoY +2.7% QoQ	+$153.1M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$504.3M +0.9% YoY -0.9% QoQ	+$176.3M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	1.67% +12.1% YoY +3.6% QoQ	+0.40%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	5.20% +2.8% YoY -0.1% QoQ	+1.27%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 5.0% in tier
Efficiency Ratio ?	55.58% -7.6% YoY -1.5% QoQ	-9.71%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.08% -90.4% YoY -95.9% QoQ	-0.81%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	81.07% +4.0% YoY +3.7% QoQ	+4.44%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	33.17% +1.9% YoY +0.7% QoQ	+11.15%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 12.2% in tier
Nonperforming Asset Ratio ?	0.63% +12.4% YoY -52.1% QoQ	+0.00%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	32%
Tier 1 Capital Ratio ?	10.31% +11.1% YoY +5.8% QoQ	-5.52%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Bottom 13.8% in tier
Non-Interest Income / Assets ?	0.12% +6.6% YoY -73.4% QoQ	-0.16%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	61%

Get Full Access to Pineland Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (1)

Deposit Franchise

growth

#82 of 272 • Top 29.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 33.17%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.20%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#191 of 666 • Bottom 28.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.31%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

135

Net Interest Margin

profitability

Value: 5.20%

Peer Median: 3.93%

#135 of 2664 Top 5.0% in $100M-$1B

325

Non-Interest-Bearing Deposit Share

funding

Value: 33.17%

Peer Median: 22.02%

#325 of 2664 Top 12.2% in $100M-$1B

526

Total Loans

size

Value: $408.85M

Peer Median: $255.72M

#526 of 2664 Top 19.7% in $100M-$1B

532

Total Deposits

size

Value: $504.29M

Peer Median: $327.97M

#532 of 2664 Top 19.9% in $100M-$1B

582

Total Assets

size

Value: $569.56M

Peer Median: $386.08M

#582 of 2664 Top 21.8% in $100M-$1B

634

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#634 of 2654 Top 23.9% in $100M-$1B

640

Return on Assets

profitability

Value: 1.67%

Peer Median: 1.27%

#640 of 2664 Top 24.0% in $100M-$1B

Top Weaknesses (1 metrics)

2297

Tier 1 Capital Ratio

capital

Value: 10.31%

Peer Median: 15.83%

#2297 of 2664 Bottom 13.8% in $100M-$1B