BlastPoint's Banking Scorecard
Bank of Dade
Trenton, GA
3 branches across GA
Bank of Dade demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 69.8% in tier
- + Return on Assets 1.54% above tier average
- + Efficiency Ratio 18.92% below tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$160.6M
+4.1% YoY
-0.1% QoQ
|
-$225.5M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$93.3M
+8.5% YoY
+3.4% QoQ
|
-$162.4M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$150.1M
+3.3% YoY
+0.6% QoQ
|
-$177.9M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
2.81%
-4.0% YoY
-0.7% QoQ
|
+1.54% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Top 2.9% in tier |
| Net Interest Margin ? |
4.97%
+0.7% YoY
-0.9% QoQ
|
+1.04% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 7.6% in tier |
| Efficiency Ratio ? |
46.37%
+9.8% YoY
+0.0% QoQ
|
-18.92% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
Top 10.4% in tier |
| Delinquency Rate ? |
0.03%
-95.0% YoY
+7.1% QoQ
|
-0.85% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
62.16%
+5.1% YoY
+2.7% QoQ
|
-14.48% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
29.08%
-4.7% YoY
-0.7% QoQ
|
+7.06% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.03%
-95.5% YoY
+7.7% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
16.21%
+0.3% YoY
-7.7% QoQ
|
+0.38% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.11%
-55.9% YoY
-83.1% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
56% |
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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)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.