BlastPoint's Banking Scorecard

The Four County Bank

under $100M Specialty: Other GA FDIC cert 15904

Designations: ✓ Community bank

Allentown, GA

541 banks in the under $100M peer group nationally 13 in GA

The Four County 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

+ ROA 0.96% above tier average
+ Net Interest Margin 0.68% above tier average
+ Efficiency Ratio 30.90% below tier average
+ Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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	+$27.4M	$62.2M -0.6% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	Top 13.3% in tier
Total Loans ?	$59.4M -1.3% YoY -1.0% QoQ	+$25.2M	$34.2M -1.4% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	Top 12.0% in tier
Total Deposits ?	$78.3M -1.0% YoY -1.5% QoQ	+$26.6M	$51.7M -0.7% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Top 12.4% in tier
Return on Assets ?	1.80% +19.4% YoY -1.7% QoQ	+0.96%	0.84% -2.3% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 14.0% in tier
Net Interest Margin ?	4.54% +10.1% YoY +1.9% QoQ	+0.68%	3.86% +2.8% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	57.44% -6.7% YoY -5.4% QoQ	-30.90%	88.34% +0.3% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	1.17% +54.1% YoY -11.9% QoQ	-0.20%	1.37% +33.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	75.86% -0.3% YoY +0.5% QoQ	+11.65%	64.22% -0.7% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	22.31% +1.9% YoY +5.1% QoQ	-1.40%	23.71% +0.3% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.78% +52.2% YoY -10.7% QoQ	-0.01%	0.79% +28.2% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	12.98% +3.2% YoY -6.2% QoQ	-13.71%	26.68% +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% +1.9% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	54%

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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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (6 metrics)

Total Loans

size

Value: $59.43M

Peer Median: $34.25M

#66 of 541 Top 12.0% in under $100M

Total Deposits

size

Value: $78.34M

Peer Median: $51.74M

#68 of 541 Top 12.4% in under $100M

Total Assets

size

Value: $89.52M

Peer Median: $62.16M

#73 of 541 Top 13.3% in under $100M

Return on Assets

profitability

Value: 1.80%

Peer Median: 0.84%

#77 of 541 Top 14.0% in under $100M

108

Efficiency Ratio

profitability

Value: 57.44%

Peer Median: 88.34%

#108 of 541 Top 19.8% in under $100M

122

Net Interest Margin

profitability

Value: 4.54%

Peer Median: 3.86%

#122 of 541 Top 22.4% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available