BlastPoint's Banking Scorecard

Northeast Georgia Bank

$100M-$1B Specialty: Commercial GA FDIC cert 15771

Lavonia, GA

9 branches across GA

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

Northeast Georgia Bank demonstrates 4 strengths

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

+ Profitability Leader: Top 41.1% in tier
+ Efficiency Ratio 23.16% below tier average
+ Net Interest Margin 0.66% above tier average
+ Delinquency Rate 0.85% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Northeast Georgia 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 ?	$650.8M +0.5% YoY -0.1% QoQ	+$264.7M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	85%
Total Loans ?	$323.2M +6.1% YoY +1.3% QoQ	+$67.5M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	71%
Total Deposits ?	$566.6M +0.3% YoY +1.7% QoQ	+$238.6M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Top 14.9% in tier
Return on Assets ?	2.56% +2.6% YoY -8.8% QoQ	+1.29%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 3.9% in tier
Net Interest Margin ?	4.59% +1.6% YoY -3.2% QoQ	+0.66%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	85%
Efficiency Ratio ?	42.13% -3.2% YoY +7.4% QoQ	-23.16%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 5.8% in tier
Delinquency Rate ?	0.04% -78.4% YoY +26.9% QoQ	-0.85%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	82%
Loan-to-Deposit Ratio ?	57.04% +5.7% YoY -0.4% QoQ	-19.60%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	23.54% +1.7% YoY -4.9% QoQ	+1.52%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	61%
Nonperforming Asset Ratio ?	0.02% -77.2% YoY +28.7% QoQ	-0.62%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	12.77% +5.2% YoY -9.9% QoQ	-3.06%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.12% +9.1% YoY -73.6% QoQ	-0.16%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	61%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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)

Profitability Leader

growth

#275 of 666 • Top 41.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.56%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (8 metrics)

105

Return on Assets

profitability

Value: 2.56%

Peer Median: 1.27%

#105 of 2664 Top 3.9% in $100M-$1B

156

Efficiency Ratio

profitability

Value: 42.13%

Peer Median: 65.29%

#156 of 2664 Top 5.8% in $100M-$1B

399

Total Deposits

size

Value: $566.62M

Peer Median: $327.97M

#399 of 2664 Top 14.9% in $100M-$1B

412

Net Interest Margin

profitability

Value: 4.59%

Peer Median: 3.93%

#412 of 2664 Top 15.4% in $100M-$1B

413

Total Assets

size

Value: $650.82M

Peer Median: $386.08M

#413 of 2664 Top 15.5% in $100M-$1B

414

Loan-to-Deposit Ratio

liquidity

Value: 57.04%

Peer Median: 76.64%

#414 of 2664 Top 15.5% in $100M-$1B

427

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#427 of 2664 Top 16.0% in $100M-$1B

488

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#488 of 2654 Top 18.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available