BlastPoint's Banking Scorecard
Great Oaks Bank
Richmond Hill, GA
6 branches across GA
Great Oaks Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 22.6% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.64% above tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 46.0% in tier
- - Margin Compression: Bottom 65.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$423.6M
+11.2% YoY
+6.1% QoQ
|
+$37.5M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$282.0M
+5.3% YoY
+3.7% QoQ
|
+$26.3M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$377.8M
+9.6% YoY
+6.5% QoQ
|
+$49.8M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
1.37%
-12.2% YoY
-14.6% QoQ
|
+0.10% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
4.57%
-2.5% YoY
-2.1% QoQ
|
+0.64% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
68.63%
+9.5% YoY
+6.4% QoQ
|
+3.34% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
0.03%
-25.2% YoY
+437.5% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
74.66%
-4.0% YoY
-2.7% QoQ
|
-1.98% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
24.48%
-19.3% YoY
-0.8% QoQ
|
+2.46% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.02%
-76.5% YoY
-55.2% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
13.41%
+12.2% YoY
-5.9% QoQ
|
-2.42% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
-20.7% YoY
-75.5% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
58% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.