BlastPoint

BlastPoint's Banking Scorecard

Commercial Banking Company

$100M-$1B Specialty: Commercial GA FDIC cert 16246

Valdosta, GA

5 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA
View $100M-$1B leaderboard (GA) →

Commercial Banking Company shows strong momentum with 5 strengths and 13.3% YoY asset growth

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

  • + Revenue Diversifier: Top 13.2% in tier
  • + Credit Quality Leader: Top 24.2% in tier
  • + Profitability Leader: Top 34.2% in tier
  • + Deposit Franchise: Top 61.4% in tier
  • + Efficiency Ratio 11.33% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Commercial Banking Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $408.9M
+13.3% YoY +9.7% QoQ
+$22.8M $386.1M
+0.5% YoY
$814.8M
+10.0% YoY
$6.2B
+9.1% YoY
62%
Total Loans ? $296.7M
+21.4% YoY +4.0% QoQ
+$41.0M $255.7M
+1.1% YoY
$550.6M
+10.4% YoY
$3.2B
+10.8% YoY
67%
Total Deposits ? $363.3M
+12.7% YoY +10.8% QoQ
+$35.3M $328.0M
+0.1% YoY
$689.3M
+8.9% YoY
$4.8B
+8.2% YoY
64%
Return on Assets ? 2.02%
+24.7% YoY +13.8% QoQ
+0.75% 1.27%
+12.9% YoY
1.50%
+0.6% YoY
1.23%
+13.4% YoY
Top 11.9% in tier
Net Interest Margin ? 4.83%
-2.2% YoY -6.2% QoQ
+0.90% 3.93%
+6.0% YoY
4.36%
+2.3% YoY
3.89%
+5.7% YoY
Top 10.4% in tier
Efficiency Ratio ? 53.96%
-10.1% YoY -8.2% QoQ
-11.33% 65.29%
-4.5% YoY
62.13%
-1.5% YoY
66.95%
-4.1% YoY
76%
Delinquency Rate ? 0.04%
-38.1% YoY -31.4% QoQ
-0.84% 0.89%
+18.8% YoY
0.81%
+32.9% YoY
0.95%
+18.8% YoY
81%
Loan-to-Deposit Ratio ? 81.67%
+7.8% YoY -6.2% QoQ
+5.03% 76.64%
+0.8% YoY
71.10%
+2.8% YoY
76.70%
+0.9% YoY
43%
Non-Interest-Bearing Deposit Share ? 32.88%
-17.2% YoY -6.4% QoQ
+10.86% 22.02%
-1.0% YoY
26.76%
-3.7% YoY
22.01%
-1.2% YoY
Top 12.8% in tier
Nonperforming Asset Ratio ? 0.03%
-33.7% YoY -68.1% QoQ
-0.61% 0.64%
+19.7% YoY
0.56%
+24.4% YoY
0.67%
+19.3% YoY
81%
Tier 1 Capital Ratio ? 14.26%
-13.5% YoY -3.7% QoQ
-1.57% 15.83%
+1.5% YoY
17.30%
-0.8% YoY
17.06%
+0.8% YoY
60%
Non-Interest Income / Assets ? 0.34%
+81.6% YoY -63.5% QoQ
+0.06% 0.28%
+9.3% YoY
0.21%
+3.2% YoY
0.32%
+4.1% YoY
Top 5.9% in tier

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 (4)

Revenue Diversifier

growth
#89 of 666 • Top 13.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.34%
(Tier: 0.28%, National: 0.32%)
better than tier avg
Return on Assets: 2.02%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Leader

growth
#162 of 664 • Top 24.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.04%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank declining

Profitability Leader

growth
#229 of 666 • Top 34.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.02%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth
#168 of 272 • Top 61.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 32.88%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.83%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank declining

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

159
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.28%
#159 of 2664 Top 5.9% in $100M-$1B
278
Net Interest Margin
profitability
Value: 4.83%
Peer Median: 3.93%
#278 of 2664 Top 10.4% in $100M-$1B
319
Return on Assets
profitability
Value: 2.02%
Peer Median: 1.27%
#319 of 2664 Top 11.9% in $100M-$1B
342
Non-Interest-Bearing Deposit Share
funding
Value: 32.88%
Peer Median: 22.02%
#342 of 2664 Top 12.8% in $100M-$1B
507
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.64%
#507 of 2664 Top 19.0% in $100M-$1B
512
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.89%
#512 of 2654 Top 19.3% in $100M-$1B
636
Efficiency Ratio
profitability
Value: 53.96%
Peer Median: 65.29%
#636 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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