BlastPoint's Banking Scorecard
Northeast Georgia Bank
Lavonia, GA
9 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 +1.9% year over year ($562.9M on the books).
- Delinquency rate 0.01%.
- Return on assets 2.59%.
- Efficiency ratio 42.39% vs a 64.48% peer average.
- Loan-to-deposit ratio 59.10% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Northeast Georgia Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 40.9% in tier
- + Efficiency Ratio 22.08% below tier average
- + Net Interest Margin 0.73% above tier average
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$650.6M
+2.5% YoY
-0.0% QoQ
|
+$264.0M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
84% |
| Total Loans ? |
$332.7M
+6.2% YoY
+3.0% QoQ
|
+$74.4M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$562.9M
+1.9% YoY
-0.6% QoQ
|
+$236.2M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
Top 15.0% in tier |
| Return on Assets ? |
2.59%
+1.0% YoY
+1.1% QoQ
|
+1.27% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Top 3.8% in tier |
| Net Interest Margin ? |
4.72%
+1.1% YoY
+2.7% QoQ
|
+0.73% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 13.8% in tier |
| Efficiency Ratio ? |
42.39%
-1.0% YoY
+0.6% QoQ
|
-22.08% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
Top 5.9% in tier |
| Delinquency Rate ? |
0.01%
-91.7% YoY
-61.0% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
59.10%
+4.2% YoY
+3.6% QoQ
|
-18.85% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
24.31%
+3.1% YoY
+3.3% QoQ
|
+2.28% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.01%
-91.4% YoY
-59.8% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
Top 13.2% in tier |
| Tier 1 Capital Ratio ? |
13.41%
+5.1% YoY
+5.0% QoQ
|
-2.49% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.23%
+14.2% YoY
+101.1% QoQ
|
-0.33% |
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 |
24.3%
+0.7pp YoY +0.8pp QoQ |
+2.2pp | 22.1% | 26.2% | 22.2% | 64% |
| 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 |
8.0%
-2.0pp YoY -0.4pp QoQ |
-3.6pp | 11.6% | 9.7% | 12.5% | 40% |
| CRE |
46.4%
+0.6pp YoY +1.3pp QoQ |
+6.9pp | 39.5% | 48.9% | 41.4% | 64% |
| 1-4 Family |
21.2%
+0.6pp YoY -0.7pp QoQ |
-11.4pp | 32.6% | 31.7% | 31.3% | 33% |
| Consumer |
3.5%
-1.0pp YoY -0.2pp QoQ |
-0.6pp | 4.1% | 4.8% | 5.0% | 66% |
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 |
13.4%
+0.7pp YoY +0.6pp QoQ |
+1.2pp | 12.2% | 14.0% | 12.6% | 78% |
| 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 |
91
-3 (-3.2%) YoY 0 QoQ |
+32 | 58 | 98 | 482 | 83% |
| Assets per Employee ($) |
$7.1M
+5.9% YoY 0.0% QoQ |
-$369K | $7.5M | $7.5M | $8.8M | 55% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 6 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.1pp YoY |
-0.9pp | 0.9% | 0.8% | 1.0% | 4% |
| Allowance Coverage |
112.04x
+1104.6% YoY +156.2% QoQ |
+87.89x | 24.15x | 38.10x | 20.23x | 97% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.6%
-1.9pp YoY +0.3pp QoQ |
+8.4pp | 12.2% | 13.6% | 11.6% | 90% |
| Cost of Funds (YTD) |
0.9%
-0.2pp YoY 0.0pp QoQ |
-0.8pp | 1.7% | 1.6% | 1.7% | 9% |
| Net Income ($, YTD) |
$8.4M
+2.6% YoY — QoQ |
+$5.9M | $2.6M | $6.6M | $40.4M | 98% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.