BlastPoint's Banking Scorecard

Bank of Camilla

$100M-$1B Specialty: Agricultural GA FDIC cert 17190

Designations: ✓ CDFI-certified

Camilla, GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

Bank of Camilla has 5 strengths but faces 2 concerns

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 31.1% in tier
+ Profitability Leader: Top 35.9% in tier
+ Non-Interest-Bearing Deposit Share 15.07% above tier average
+ Efficiency Ratio 10.74% below tier average
+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 40.5% in tier
- Net Interest Margin 0.42% below tier average

Get updates when Bank of Camilla releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$195.3M +13.2% YoY -0.2% QoQ	-$190.8M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	25%
Total Loans ?	$119.3M +7.9% YoY +1.5% QoQ	-$136.5M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	25%
Total Deposits ?	$154.1M +16.3% YoY -0.6% QoQ	-$173.8M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	1.69% +53.2% YoY +60.6% QoQ	+0.42%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	3.51% -8.6% YoY -2.9% QoQ	-0.42%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	31%
Efficiency Ratio ?	54.54% -10.9% YoY -14.2% QoQ	-10.74%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	0.38% -16.7% YoY -8.0% QoQ	-0.50%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	77.37% -7.2% YoY +2.2% QoQ	+0.73%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	37.09% +16.7% YoY -2.8% QoQ	+15.07%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 7.6% in tier
Nonperforming Asset Ratio ?	0.23% -20.5% YoY -6.3% QoQ	-0.40%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	56%
Tier 1 Capital Ratio ?	19.97% -2.2% YoY -6.9% QoQ	+4.14%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 13.6% in tier
Non-Interest Income / Assets ?	0.26% +256.9% YoY +13.5% QoQ	-0.02%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	Top 8.6% in tier

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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 (2)

Revenue Diversifier

growth

#208 of 666 • Top 31.1% 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: 0.26%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.69%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#240 of 666 • Top 35.9% in tier

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

Why this signature

Return on Assets: 1.69%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#300 of 739 • Bottom 40.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.97%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 77.37%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

203

Non-Interest-Bearing Deposit Share

funding

Value: 37.09%

Peer Median: 22.02%

#203 of 2664 Top 7.6% in $100M-$1B

229

Non-Interest Income / Assets

revenue_mix

Value: 0.26%

Peer Median: 0.28%

#229 of 2664 Top 8.6% in $100M-$1B

363

Tier 1 Capital Ratio

capital

Value: 19.97%

Peer Median: 15.83%

#363 of 2664 Top 13.6% in $100M-$1B

604

Return on Assets

profitability

Value: 1.69%

Peer Median: 1.27%

#604 of 2664 Top 22.6% in $100M-$1B

Top Weaknesses (1 metrics)

2066

Total Deposits

size

Value: $154.13M

Peer Median: $327.97M

#2066 of 2664 Bottom 22.5% in $100M-$1B