BlastPoint's Banking Scorecard
The Claxton Bank
Bellville, GA
4 branches across GA · FL
The Claxton Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 11.1% in tier
- - Efficiency Drag: Bottom 17.4% in tier
- - Return on Assets 1.14% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$294.8M
+29.7% YoY
+11.1% QoQ
|
-$91.3M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$209.8M
+55.5% YoY
+22.2% QoQ
|
-$45.9M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$251.1M
+30.7% YoY
+10.0% QoQ
|
-$76.8M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
45% |
| Return on Assets ? |
0.13%
-67.1% YoY
-68.8% QoQ
|
-1.14% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.3% in tier |
| Net Interest Margin ? |
4.07%
-8.3% YoY
-9.1% QoQ
|
+0.14% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
85.93%
-1.0% YoY
+3.8% QoQ
|
+20.65% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 9.5% in tier |
| Delinquency Rate ? |
0.40%
-35.3% YoY
-15.8% QoQ
|
-0.49% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
83.53%
+19.0% YoY
+11.1% QoQ
|
+6.89% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
12.95%
-48.0% YoY
-22.8% QoQ
|
-9.07% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.29%
-31.8% YoY
-7.4% QoQ
|
-0.35% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
15.70%
-31.9% YoY
-7.4% QoQ
|
-0.13% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.09%
-13.3% YoY
-77.2% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
47% |
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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 (0)
Concerns (2)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.