BlastPoint

BlastPoint's Banking Scorecard

The Claxton Bank

$100M-$1B Specialty: Commercial GA FDIC cert 15826

Bellville, GA

4 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 +23.3% year over year ($249.1M on the books).
  • Delinquency rate 2.55%.
  • Return on assets 0.34%.
  • Efficiency ratio 84.56% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

The Claxton Bank has 1 strength but faces 5 concerns

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

  • + Net Interest Margin 0.10% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 18.0% in tier
  • - NIB Deposit Bleed: Bottom 18.5% in tier
  • - Return on Assets 0.99% below tier average
  • - Delinquency Rate 1.63% above tier average
  • - Nonperforming Asset Ratio 1.11% above tier average
Get updates when The Claxton Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $304.8M
+28.1% YoY +3.4% QoQ
-$81.8M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $212.3M
+37.6% YoY +1.2% QoQ
-$46.1M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $249.1M
+23.3% YoY -0.8% QoQ
-$77.6M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 0.34%
-37.0% YoY +153.8% QoQ
-0.99% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Bottom 8.2% in tier
Net Interest Margin ? 4.08%
-11.8% YoY +0.4% QoQ
+0.10% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
58%
Efficiency Ratio ? 84.56%
+3.9% YoY -1.6% QoQ
+20.08% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
Bottom 9.5% in tier
Delinquency Rate ? 2.55%
+332.8% YoY +537.0% QoQ
+1.63% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
Bottom 8.4% in tier
Loan-to-Deposit Ratio ? 85.21%
+11.6% YoY +2.0% QoQ
+7.25% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 14.62%
-32.8% YoY +12.9% QoQ
-7.41% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 1.78%
+311.1% YoY +520.3% QoQ
+1.11% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
Bottom 9.2% in tier
Tier 1 Capital Ratio ? 15.39%
-23.9% YoY -2.0% QoQ
-0.51% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.18%
-14.3% YoY +97.0% QoQ
-0.39% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
44%

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 14.6%
-7.2pp YoY
+1.7pp QoQ
 -7.5pp 22.1% 26.2% 22.2% 22%
Brokered Deposits 6.2%
-3.2pp YoY
-7.0pp QoQ
 -1.7pp 7.9% 7.5% 8.5% 60%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 10.8%
+0.9pp YoY
+0.8pp QoQ
 -0.7pp 11.6% 9.7% 12.5% 58%
CRE 69.2%
-0.6pp YoY
-1.6pp QoQ
 +29.7pp 39.5% 48.9% 41.4% 93%
1-4 Family 17.4%
+1.2pp YoY
+0.9pp QoQ
 -15.2pp 32.6% 31.7% 31.3% 24%
Consumer 1.6%
-0.7pp YoY
-0.2pp QoQ
 -2.5pp 4.1% 4.8% 5.0% 42%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 15.4%
-4.8pp YoY
-0.3pp QoQ
 -3.4pp 18.8% 20.9% 19.7% 53%
Leverage Ratio 12.6%
-3.0pp YoY
-0.8pp QoQ
 +0.4pp 12.2% 14.0% 12.6% 71%
Total Capital Ratio 16.6%
-4.8pp YoY
-0.3pp QoQ
 -3.3pp 19.9% 22.1% 20.8% 54%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 43
+2 (+4.9%) YoY
-2 (-4.4%) QoQ
 -16 58 98 482 45%
Assets per Employee ($) $7.1M
+22.2% YoY
+8.2% QoQ
 -$430K $7.5M $7.5M $8.8M 54%
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 n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 2.6%
+2.0pp YoY
+2.2pp QoQ
 +1.6pp 0.9% 0.8% 1.0% 92%
Allowance Coverage 0.57x
-79.2% YoY
-84.4% QoQ
 -23.58x 24.15x 38.10x 20.23x 13%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
 -0.1pp 0.1% 0.1% 0.2% 30%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 2.8%
-0.9pp YoY
+1.7pp QoQ
 -9.4pp 12.2% 13.6% 11.6% 8%
Cost of Funds (YTD) 2.1%
+0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.6% 1.7% 76%
Net Income ($, YTD) $486,000
-20.8% YoY
— QoQ
 -$2.1M $2.6M $6.6M $40.4M 10%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk
#66 of 361 • Bottom 18.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 84.56%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#31 of 162 • Bottom 18.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 14.62%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2426
Return on Assets
profitability
Value: 0.34%
Peer Median: 1.32%
#2426 of 2643 Bottom 8.2% in $100M-$1B
2414
Delinquency Rate
credit_quality
Value: 2.55%
Peer Median: 0.92%
#2414 of 2633 Bottom 8.4% in $100M-$1B
2400
Nonperforming Asset Ratio
credit_quality
Value: 1.78%
Peer Median: 0.67%
#2400 of 2643 Bottom 9.2% in $100M-$1B
2394
Efficiency Ratio
profitability
Value: 84.56%
Peer Median: 64.48%
#2394 of 2643 Bottom 9.5% in $100M-$1B
2047
Non-Interest-Bearing Deposit Share
funding
Value: 14.62%
Peer Median: 22.03%
#2047 of 2643 Bottom 22.6% in $100M-$1B
Powered by BlastPoint © 2026