BlastPoint's Banking Scorecard

First National Bank of Griffin

$100M-$1B Specialty: Commercial GA FDIC cert 169

Griffin, GA

6 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
Deposits -0.5% year over year ($321.3M on the books).
Delinquency rate 0.04%.
Return on assets 1.45%.
Efficiency ratio 61.06% vs a 64.48% peer average.
Loan-to-deposit ratio 56.61% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

First National Bank of Griffin has 4 strengths but faces 1 concern

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

+ Deposit Franchise: Top 54.7% in tier
+ ROA 0.13% above tier average
+ Efficiency Ratio 3.42% below tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 34.2% in tier

Get updates when First National Bank of Griffin releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$368.3M +0.1% YoY -2.4% QoQ	-$18.3M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	57%
Total Loans ?	$181.9M +17.2% YoY -0.0% QoQ	-$76.5M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	44%
Total Deposits ?	$321.3M -0.5% YoY -2.1% QoQ	-$5.4M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	58%
Return on Assets ?	1.45% -16.3% YoY +4.9% QoQ	+0.13%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	63%
Net Interest Margin ?	4.69% +4.4% YoY +1.8% QoQ	+0.70%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Top 14.8% in tier
Efficiency Ratio ?	61.06% +8.8% YoY -0.8% QoQ	-3.42%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	54%
Delinquency Rate ?	0.04% -67.7% YoY -62.6% QoQ	-0.87%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	56.61% +17.9% YoY +2.1% QoQ	-21.34%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	Top 14.0% in tier
Non-Interest-Bearing Deposit Share ?	36.98% +6.5% YoY +4.7% QoQ	+14.95%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 7.2% in tier
Nonperforming Asset Ratio ?	0.02% -62.1% YoY -61.7% QoQ	-0.65%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	84%
Tier 1 Capital Ratio ?	17.70% -2.1% YoY +2.6% QoQ	+1.79%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.37% -33.6% YoY +102.5% QoQ	-0.19%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	83%

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	37.0% +2.3pp YoY +1.7pp QoQ	+14.8pp	22.1%	26.2%	22.2%	93%
Brokered Deposits	n/a	n/a	7.9%	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% 0.0pp YoY -0.7pp QoQ	+2.5pp	11.6%	9.7%	12.5%	72%
CRE	63.1% +3.3pp YoY 0.0pp QoQ	+23.6pp	39.5%	48.9%	41.4%	88%
1-4 Family	21.5% -0.9pp YoY +0.9pp QoQ	-11.1pp	32.6%	31.7%	31.3%	34%
Consumer	2.4% -1.0pp YoY -0.2pp QoQ	-1.8pp	4.1%	4.8%	5.0%	53%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	17.7% -0.4pp YoY +0.5pp QoQ	-1.1pp	18.8%	20.9%	19.7%	68%
Leverage Ratio	11.4% +0.8pp YoY +0.1pp QoQ	-0.8pp	12.2%	14.0%	12.6%	56%
Total Capital Ratio	18.7% -0.3pp YoY +0.5pp QoQ	-1.2pp	19.9%	22.1%	20.8%	67%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	81 +7 (+9.5%) YoY +4 (+5.2%) QoQ	+22	58	98	482	77%
Assets per Employee ($)	$4.5M -8.5% YoY -7.2% QoQ	-$3.0M	$7.5M	$7.5M	$8.8M	9%
Branch Count	6 0 YoY 0 QoQ	+1	4	6	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	10%
Allowance Coverage	30.20x +234.1% YoY +176.8% QoQ	+6.05x	24.15x	38.10x	20.23x	91%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	21%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	16.2% -7.0pp YoY +0.5pp QoQ	+4.0pp	12.2%	13.6%	11.6%	74%
Cost of Funds (YTD)	0.5% -0.2pp YoY 0.0pp QoQ	-1.2pp	1.7%	1.6%	1.7%	2%
Net Income ($, YTD)	$2.7M -15.4% YoY — QoQ	+$140K	$2.6M	$6.6M	$40.4M	65%

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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 (1)

Deposit Franchise

growth

#153 of 278 • Top 54.7% 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: 36.98%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.69%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Margin Compression

decline

#106 of 307 • Bottom 34.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.45%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

191

Non-Interest-Bearing Deposit Share

funding

Value: 36.98%

Peer Median: 22.03%

#191 of 2643 Top 7.2% in $100M-$1B

370

Loan-to-Deposit Ratio

liquidity

Value: 56.61%

Peer Median: 77.95%

#370 of 2643 Top 14.0% in $100M-$1B

391

Net Interest Margin

profitability

Value: 4.69%

Peer Median: 3.99%

#391 of 2643 Top 14.8% in $100M-$1B

432

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#432 of 2643 Top 16.3% in $100M-$1B

454

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.57%

#454 of 2643 Top 17.1% in $100M-$1B

519

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.92%

#519 of 2633 Top 19.7% in $100M-$1B

531

Tier 1 Capital Ratio

capital

Value: 17.70%

Peer Median: 15.91%

#531 of 2643 Top 20.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available