BlastPoint's Banking Scorecard

South Georgia Banking Company

$100M-$1B Specialty: Commercial GA FDIC cert 20198

Designations: ✓ CDFI-certified

Omega, GA

8 branches across GA

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

South Georgia Banking Company demonstrates 4 strengths

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

+ Deposit Franchise: Top 18.4% in tier
+ ROA 0.26% above tier average
+ Efficiency Ratio 2.89% below tier average
+ Delinquency Rate 0.14% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$589.8M +2.4% YoY -2.7% QoQ	+$203.7M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$378.5M +10.2% YoY +3.4% QoQ	+$122.7M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$510.5M +1.5% YoY -3.5% QoQ	+$182.5M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	81%
Return on Assets ?	1.53% +12.4% YoY +35.0% QoQ	+0.26%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	69%
Net Interest Margin ?	5.16% -1.3% YoY -1.0% QoQ	+1.23%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 5.3% in tier
Efficiency Ratio ?	62.39% -6.4% YoY -7.8% QoQ	-2.89%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	52%
Delinquency Rate ?	0.75% +37.1% QoQ	-0.14%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	35%
Loan-to-Deposit Ratio ?	74.14% +8.7% YoY +7.1% QoQ	-2.50%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	36.78% -1.2% YoY -6.9% QoQ	+14.76%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 7.8% in tier
Nonperforming Asset Ratio ?	0.48% +245.5% YoY +45.7% QoQ	-0.16%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	38%
Tier 1 Capital Ratio ?	17.55% +0.9% YoY +3.0% QoQ	+1.72%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.20% +3.7% YoY -72.5% QoQ	-0.08%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	Top 13.7% 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 (1)

Deposit Franchise

growth

#51 of 272 • Top 18.4% 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: 36.78%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.16%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

141

Net Interest Margin

profitability

Value: 5.16%

Peer Median: 3.93%

#141 of 2664 Top 5.3% in $100M-$1B

210

Non-Interest-Bearing Deposit Share

funding

Value: 36.78%

Peer Median: 22.02%

#210 of 2664 Top 7.8% in $100M-$1B

366

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#366 of 2664 Top 13.7% in $100M-$1B

516

Total Deposits

size

Value: $510.48M

Peer Median: $327.97M

#516 of 2664 Top 19.3% in $100M-$1B

542

Total Assets

size

Value: $589.79M

Peer Median: $386.08M

#542 of 2664 Top 20.3% in $100M-$1B

544

Tier 1 Capital Ratio

capital

Value: 17.55%

Peer Median: 15.83%

#544 of 2664 Top 20.4% in $100M-$1B

598

Total Loans

size

Value: $378.45M

Peer Median: $255.72M

#598 of 2664 Top 22.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available