BlastPoint's Banking Scorecard

Bank of Camilla

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

Designations: ✓ CDFI-certified

Camilla, 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 +3.9% year over year ($147.6M on the books).
Delinquency rate 0.38%.
Return on assets 1.54%.
Efficiency ratio 55.74% vs a 64.48% peer average.
Loan-to-deposit ratio 86.13% 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) →

Bank of Camilla has 4 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

+ Non-Interest-Bearing Deposit Share 15.31% above tier average
+ ROA 0.22% above tier average
+ Efficiency Ratio 8.74% below tier average
+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 25.1% in tier
- Net Interest Margin 0.28% below tier average

Get updates when Bank of Camilla releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$188.1M +3.3% YoY -3.7% QoQ	-$198.4M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$127.1M +5.0% YoY +6.6% QoQ	-$131.2M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	27%
Total Deposits ?	$147.6M +3.9% YoY -4.2% QoQ	-$179.1M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	21%
Return on Assets ?	1.54% +40.9% YoY -9.0% QoQ	+0.22%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	68%
Net Interest Margin ?	3.70% -2.6% YoY +5.6% QoQ	-0.28%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	37%
Efficiency Ratio ?	55.74% -9.8% YoY +2.2% QoQ	-8.74%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	70%
Delinquency Rate ?	0.38% -10.1% YoY -1.3% QoQ	-0.54%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	52%
Loan-to-Deposit Ratio ?	86.13% +1.0% YoY +11.3% QoQ	+8.18%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	35%
Non-Interest-Bearing Deposit Share ?	37.34% +6.5% YoY +0.7% QoQ	+15.31%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 6.7% in tier
Nonperforming Asset Ratio ?	0.26% -8.7% YoY +9.2% QoQ	-0.41%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	55%
Tier 1 Capital Ratio ?	20.79% -4.7% YoY +4.1% QoQ	+4.88%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	Top 12.1% in tier
Non-Interest Income / Assets ?	0.37% +193.0% YoY +44.9% 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	37.3% +2.3pp YoY +0.2pp QoQ	+15.2pp	22.1%	26.2%	22.2%	93%
Brokered Deposits	8.9% -0.8pp YoY +0.2pp QoQ	+1.0pp	7.9%	7.5%	8.5%	72%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	11.7% +5.1pp YoY +5.7pp QoQ	+0.1pp	11.6%	9.7%	12.5%	62%
CRE	33.9% -6.8pp YoY -5.2pp QoQ	-5.6pp	39.5%	48.9%	41.4%	42%
1-4 Family	26.1% -2.0pp YoY -1.8pp QoQ	-6.5pp	32.6%	31.7%	31.3%	43%
Consumer	1.5% +0.2pp YoY -0.1pp QoQ	-2.6pp	4.1%	4.8%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	20.9%	19.7%	n/a
Leverage Ratio	20.8% -1.0pp YoY +0.8pp QoQ	+8.6pp	12.2%	14.0%	12.6%	97%
Total Capital Ratio	n/a	n/a	19.9%	22.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	22 -2 (-8.3%) YoY 0 QoQ	-37	58	98	482	14%
Assets per Employee ($)	$8.6M +12.7% YoY -3.7% QoQ	+$1.0M	$7.5M	$7.5M	$8.8M	75%
Branch Count	1 0 YoY 0 QoQ	-4	4	6	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.4%	8%
Nonaccrual	0.4% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.8%	1.0%	45%
Allowance Coverage	2.77x +6.0% YoY -5.0% QoQ	-21.39x	24.15x	38.10x	20.23x	56%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	7.5% +2.3pp YoY -0.9pp QoQ	-4.7pp	12.2%	13.6%	11.6%	23%
Cost of Funds (YTD)	2.3% -0.1pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.6%	1.7%	84%
Net Income ($, YTD)	$1.5M +49.6% YoY — QoQ	-$1.1M	$2.6M	$6.6M	$40.4M	41%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#187 of 742 • Bottom 25.1% 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: 20.79%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 86.13%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 (3 metrics)

179

Non-Interest-Bearing Deposit Share

funding

Value: 37.34%

Peer Median: 22.03%

#179 of 2643 Top 6.7% in $100M-$1B

322

Tier 1 Capital Ratio

capital

Value: 20.79%

Peer Median: 15.91%

#322 of 2643 Top 12.1% in $100M-$1B

455

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.57%

#455 of 2643 Top 17.2% in $100M-$1B

Top Weaknesses (2 metrics)

2089

Total Deposits

size

Value: $147.61M

Peer Median: $326.73M

#2089 of 2643 Bottom 21.0% in $100M-$1B

2023

Total Assets

size

Value: $188.13M

Peer Median: $386.57M

#2023 of 2643 Bottom 23.5% in $100M-$1B