BlastPoint's Banking Scorecard
Talbot State Bank
Designations: ✓ Community bank
Woodland, GA
2 branches across GA
Talbot State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.96% below tier average
- - Efficiency Ratio 44.91% above tier average
- - Net Interest Margin 0.39% below tier average
- - Delinquency Rate 0.79% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$51.4M
-1.7% YoY
-2.9% QoQ
|
-$10.7M |
$62.2M
-0.6% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$30.7M
-2.3% YoY
-1.5% QoQ
|
-$3.6M |
$34.2M
-1.4% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$45.0M
-1.3% YoY
-2.8% QoQ
|
-$6.8M |
$51.7M
-0.7% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
-1.13%
+19.3% YoY
+13.7% QoQ
|
-1.96% |
0.84%
-2.3% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.2% in tier |
| Net Interest Margin ? |
3.47%
+2.2% YoY
+0.1% QoQ
|
-0.39% |
3.86%
+2.8% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
133.26%
-6.4% YoY
-3.9% QoQ
|
+44.91% |
88.34%
+0.3% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate ? |
2.16%
-32.5% YoY
+4.4% QoQ
|
+0.79% |
1.37%
+33.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
68.13%
-1.0% YoY
+1.3% QoQ
|
+3.92% |
64.22%
-0.7% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
9.60%
+19.7% YoY
+10.9% QoQ
|
-14.12% |
23.71%
+0.3% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.6% in tier |
| Nonperforming Asset Ratio ? |
1.29%
-32.9% YoY
+5.9% QoQ
|
+0.50% |
0.79%
+28.2% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
17.65%
-11.3% YoY
-1.8% QoQ
|
-9.04% |
26.68%
+2.0% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.02%
+30.8% YoY
-73.5% QoQ
|
-0.65% |
0.67%
+1.9% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.3% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.