BlastPoint's Banking Scorecard

Bank of Dade

$100M-$1B Specialty: Other GA FDIC cert 17543

Trenton, GA

3 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 +6.6% year over year ($151.3M on the books).
Delinquency rate 0.25%.
Return on assets 2.72%.
Efficiency ratio 48.21% vs a 64.48% peer average.
Loan-to-deposit ratio 64.06% 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 Dade shows strong momentum with 4 strengths and 7.2% 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

+ Profitability Leader: Top 44.0% in tier
+ Deposit Franchise: Top 70.1% in tier
+ Efficiency Ratio 16.27% below tier average
+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Bank of Dade releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$162.3M +7.2% YoY +1.0% QoQ	-$224.3M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	18%
Total Loans ?	$96.9M +9.6% YoY +3.9% QoQ	-$161.4M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$151.3M +6.6% YoY +0.8% QoQ	-$175.4M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	22%
Return on Assets ?	2.72% +0.0% YoY -3.1% QoQ	+1.40%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	Top 3.2% in tier
Net Interest Margin ?	4.99% +1.2% YoY +0.4% QoQ	+1.00%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Top 8.2% in tier
Efficiency Ratio ?	48.21% +3.9% YoY +4.0% QoQ	-16.27%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	Top 13.4% in tier
Delinquency Rate ?	0.25% -47.9% YoY +663.9% QoQ	-0.66%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	61%
Loan-to-Deposit Ratio ?	64.06% +2.8% YoY +3.1% QoQ	-13.89%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	78%
Non-Interest-Bearing Deposit Share ?	29.16% -5.6% YoY +0.3% QoQ	+7.13%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	0.16% -76.0% YoY +493.8% QoQ	-0.51%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	16.35% -3.2% YoY +0.9% QoQ	+0.44%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.21% -42.0% YoY +100.2% QoQ	-0.35%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	54%

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	29.2% -1.7pp YoY +0.1pp QoQ	+7.0pp	22.1%	26.2%	22.2%	80%
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	1.7% -0.4pp YoY -0.1pp QoQ	-9.9pp	11.6%	9.7%	12.5%	5%
CRE	23.8% +2.1pp YoY +0.5pp QoQ	-15.8pp	39.5%	48.9%	41.4%	24%
1-4 Family	62.5% -1.7pp YoY -1.7pp QoQ	+29.8pp	32.6%	31.7%	31.3%	91%
Consumer	7.5% -0.8pp YoY -0.2pp QoQ	+3.4pp	4.1%	4.8%	5.0%	87%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	16.4% -0.5pp YoY +0.1pp QoQ	-2.5pp	18.8%	20.9%	19.7%	60%
Leverage Ratio	9.4% -0.4pp YoY +0.2pp QoQ	-2.7pp	12.2%	14.0%	12.6%	20%
Total Capital Ratio	17.6% -0.5pp YoY +0.1pp QoQ	-2.3pp	19.9%	22.1%	20.8%	60%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	34 +4 (+13.3%) YoY +1 (+3.0%) QoQ	-25	58	98	482	33%
Assets per Employee ($)	$4.8M -5.4% YoY -1.9% QoQ	-$2.7M	$7.5M	$7.5M	$8.8M	11%
Branch Count	3 0 YoY 0 QoQ	-2	4	6	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.2pp YoY +0.2pp QoQ	-0.1pp	0.3%	0.1%	0.4%	69%
Nonaccrual	0.0% -0.4pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	6%
Allowance Coverage	5.09x +85.9% YoY -87.2% QoQ	-19.07x	24.15x	38.10x	20.23x	71%
Net Charge-off Rate (YTD)	-0.0% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	10%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	41.7% -8.1pp YoY -1.0pp QoQ	+29.5pp	12.2%	13.6%	11.6%	99%
Cost of Funds (YTD)	0.7% 0.0pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.6%	1.7%	4%
Net Income ($, YTD)	$2.2M +5.6% YoY — QoQ	-$361K	$2.6M	$6.6M	$40.4M	56%

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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)

Profitability Leader

growth

#292 of 661 • Top 44.0% in tier

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

Why this signature

Return on Assets: 2.72%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Deposit Franchise

growth

#196 of 278 • Top 70.1% 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: 29.16%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.99%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 2.72%

Peer Median: 1.32%

#85 of 2643 Top 3.2% in $100M-$1B

217

Net Interest Margin

profitability

Value: 4.99%

Peer Median: 3.99%

#217 of 2643 Top 8.2% in $100M-$1B

356

Efficiency Ratio

profitability

Value: 48.21%

Peer Median: 64.48%

#356 of 2643 Top 13.4% in $100M-$1B

539

Non-Interest-Bearing Deposit Share

funding

Value: 29.16%

Peer Median: 22.03%

#539 of 2643 Top 20.4% in $100M-$1B

592

Loan-to-Deposit Ratio

liquidity

Value: 64.06%

Peer Median: 77.95%

#592 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (3 metrics)

2179

Total Assets

size

Value: $162.31M

Peer Median: $386.57M

#2179 of 2643 Bottom 17.6% in $100M-$1B

2176

Total Loans

size

Value: $96.92M

Peer Median: $258.35M

#2176 of 2643 Bottom 17.7% in $100M-$1B

2065

Total Deposits

size

Value: $151.29M

Peer Median: $326.73M

#2065 of 2643 Bottom 21.9% in $100M-$1B