BlastPoint's Banking Scorecard
The Four County Bank
Designations: ✓ Community bank
Allentown, GA
The Four County Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.94% above tier average
- + Net Interest Margin 0.67% above tier average
- + Efficiency Ratio 30.19% below tier average
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.5M
-0.1% YoY
-2.3% QoQ
|
+$27.2M |
$62.3M
-0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.0% YoY
|
Top 13.4% in tier |
| Total Loans ? |
$59.4M
-1.3% YoY
-1.0% QoQ
|
+$25.1M |
$34.3M
-1.5% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.7% YoY
|
Top 11.9% in tier |
| Total Deposits ? |
$78.3M
-1.0% YoY
-1.5% QoQ
|
+$26.5M |
$51.8M
-0.6% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.0% YoY
|
Top 12.5% in tier |
| Return on Assets ? |
1.80%
+19.4% YoY
-1.7% QoQ
|
+0.94% |
0.86%
-3.6% YoY
|
1.50%
+0.6% YoY
|
1.24%
+13.1% YoY
|
Top 14.2% in tier |
| Net Interest Margin ? |
4.54%
+10.1% YoY
+1.9% QoQ
|
+0.67% |
3.87%
+2.7% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
57.44%
-6.7% YoY
-5.4% QoQ
|
-30.19% |
87.63%
+2.3% YoY
|
62.13%
-1.5% YoY
|
66.84%
-3.8% YoY
|
80% |
| Delinquency Rate ? |
1.17%
+54.1% YoY
-11.9% QoQ
|
-0.19% |
1.36%
+33.7% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
75.86%
-0.3% YoY
+0.5% QoQ
|
+11.75% |
64.11%
-0.9% YoY
|
71.10%
+2.8% YoY
|
76.69%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
22.31%
+1.9% YoY
+5.1% QoQ
|
-1.48% |
23.79%
+0.5% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.1% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.78%
+52.2% YoY
-10.7% QoQ
|
+0.01% |
0.77%
+28.7% YoY
|
0.56%
+24.4% YoY
|
0.66%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
12.98%
+3.2% YoY
-6.2% QoQ
|
-13.79% |
26.77%
+2.0% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.07%
+11.2% YoY
-72.5% QoQ
|
-0.60% |
0.67%
+1.6% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.0% YoY
|
54% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.