BlastPoint's Banking Scorecard
The Four County Bank
Designations: ✓ Community bank
Allentown, GA
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 536 banks in the under $100M peer group nationwide — 1 of 13 in GA.
- Deposits -3.1% year over year ($75.4M on the books).
- Delinquency rate 0.70%.
- Return on assets 1.94%.
- Efficiency ratio 56.34% vs a 119.40% peer average.
- Loan-to-deposit ratio 77.55% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 0.86% above tier average
- + Efficiency Ratio 63.06% below tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.1M
-2.0% YoY
-2.7% QoQ
|
+$24.7M |
$62.4M
-0.0% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
82% |
| Total Loans ? |
$58.5M
-1.2% YoY
-1.6% QoQ
|
+$23.6M |
$34.9M
-0.6% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
Top 14.6% in tier |
| Total Deposits ? |
$75.4M
-3.1% YoY
-3.7% QoQ
|
+$23.8M |
$51.6M
-0.2% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
84% |
| Return on Assets ? |
1.94%
+6.2% YoY
+8.0% QoQ
|
+0.94% |
1.00%
+3.5% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Top 12.3% in tier |
| Net Interest Margin ? |
4.77%
+10.0% YoY
+5.1% QoQ
|
+0.86% |
3.91%
+2.3% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
56.34%
-9.2% YoY
-1.9% QoQ
|
-63.06% |
119.40%
+49.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
81% |
| Delinquency Rate ? |
0.70%
+29.1% YoY
-40.7% QoQ
|
-0.78% |
1.48%
+31.8% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
77.55%
+1.9% YoY
+2.2% QoQ
|
+3.34% |
74.21%
+12.6% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
21.23%
+0.1% YoY
-4.9% QoQ
|
-2.26% |
23.49%
+0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.47%
+30.2% YoY
-40.1% QoQ
|
-0.37% |
0.84%
+23.0% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
13.83%
+4.1% YoY
+6.6% QoQ
|
-13.30% |
27.13%
+3.0% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.13%
+3.9% YoY
+93.5% QoQ
|
-1.25% |
1.38%
+6.3% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
52% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
21.2%
0.0pp YoY -1.1pp QoQ |
-3.4pp | 24.6% | 26.2% | 22.2% | 41% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.1%
-2.3pp YoY -1.5pp QoQ |
+0.7pp | 13.4% | 9.7% | 12.5% | 65% |
| CRE |
16.9%
-2.4pp YoY -0.6pp QoQ |
-8.3pp | 25.2% | 48.9% | 41.4% | 40% |
| 1-4 Family |
32.3%
+1.0pp YoY -0.4pp QoQ |
-2.7pp | 35.0% | 31.7% | 31.3% | 52% |
| Consumer |
22.1%
+1.4pp YoY +1.3pp QoQ |
+14.4pp | 7.7% | 4.8% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
13.8%
+0.5pp YoY +0.9pp QoQ |
-3.9pp | 17.7% | 14.0% | 12.6% | 61% |
| Total Capital Ratio | n/a | n/a | 39.7% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
-1 (-7.7%) YoY +1 (+9.1%) QoQ |
-0 | 12 | 98 | 482 | 56% |
| Assets per Employee ($) |
$7.3M
+6.2% YoY -10.8% QoQ |
+$1.1M | $6.2M | $7.5M | $8.8M | 71% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.8pp | 1.0% | 0.1% | 0.4% | 29% |
| Nonaccrual |
0.6%
+0.1pp YoY -0.6pp QoQ |
-1.2pp | 1.7% | 0.8% | 1.0% | 44% |
| Allowance Coverage |
3.24x
-23.6% YoY +68.8% QoQ |
-3.17x | 6.41x | 38.10x | 20.23x | 73% |
| Net Charge-off Rate (YTD) |
0.5%
+0.5pp YoY 0.0pp QoQ |
+0.3pp | 0.2% | 0.1% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
-0.3pp YoY +0.9pp QoQ |
+9.0pp | 6.4% | 13.6% | 11.6% | 85% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.6pp | 1.4% | 1.6% | 1.7% | 84% |
| Net Income ($, YTD) |
$868,000
+6.1% YoY — QoQ |
+$550K | $317,817 | $6.6M | $40.4M | 93% |
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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.