BlastPoint's Banking Scorecard
Queensborough National Bank & Trust Company
Designations: ✓ Community bank
Louisville, GA
25 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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in GA.
- Deposits +6.2% year over year ($2.1B on the books).
- Delinquency rate 0.60%.
- Return on assets 1.09%.
- Efficiency ratio 65.12% vs a 59.73% peer average.
- Loan-to-deposit ratio 67.64% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Queensborough National Bank & Trust Company has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.27% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Efficiency Ratio 5.40% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+5.7% YoY
-2.6% QoQ
|
-$513.2M |
$2.8B
-0.6% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
57% |
| Total Loans ? |
$1.4B
+10.3% YoY
+3.5% QoQ
|
-$574.9M |
$2.0B
-0.3% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$2.1B
+6.2% YoY
-2.8% QoQ
|
-$266.4M |
$2.3B
-0.5% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
1.09%
+8.1% YoY
+2.9% QoQ
|
-0.30% |
1.39%
+17.0% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
36% |
| Net Interest Margin ? |
3.91%
+7.1% YoY
+2.3% QoQ
|
+0.04% |
3.87%
+6.2% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
63% |
| Efficiency Ratio ? |
65.12%
-0.0% YoY
-1.0% QoQ
|
+5.40% |
59.73%
-12.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
32% |
| Delinquency Rate ? |
0.60%
-16.9% YoY
+34.4% QoQ
|
-0.27% |
0.87%
+11.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
67.64%
+3.8% YoY
+6.5% QoQ
|
-17.39% |
85.04%
-0.1% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 13.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.97%
-5.3% YoY
-8.0% QoQ
|
+10.70% |
21.27%
-1.5% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
Top 11.5% in tier |
| Nonperforming Asset Ratio ? |
0.36%
-13.3% YoY
+33.6% QoQ
|
-0.31% |
0.67%
+11.7% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
12.36%
-9.1% YoY
-6.2% QoQ
|
-2.49% |
14.84%
-0.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.41%
+11.6% YoY
+110.7% QoQ
|
-0.11% |
0.53%
+2.5% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
72% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
32.0%
-1.8pp YoY -2.8pp QoQ |
+10.6pp | 21.4% | 26.2% | 22.2% | 88% |
| Brokered Deposits |
0.9%
-1.1pp YoY 0.0pp QoQ |
-8.6pp | 9.5% | 7.5% | 8.5% | 17% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.4%
-0.8pp YoY -0.5pp QoQ |
-6.6pp | 14.0% | 9.7% | 12.5% | 30% |
| CRE |
50.6%
-2.0pp YoY -0.7pp QoQ |
+0.5pp | 50.0% | 48.9% | 41.4% | 53% |
| 1-4 Family |
24.2%
+1.4pp YoY +0.4pp QoQ |
-2.2pp | 26.4% | 31.7% | 31.3% | 52% |
| Consumer |
3.9%
+0.9pp YoY +0.8pp QoQ |
-0.9pp | 4.7% | 4.8% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
-1.2pp YoY -0.8pp QoQ |
-3.2pp | 15.6% | 20.9% | 19.7% | 30% |
| Leverage Ratio |
8.6%
-0.9pp YoY -0.5pp QoQ |
-2.7pp | 11.3% | 14.0% | 12.6% | 6% |
| Total Capital Ratio |
13.4%
-1.1pp YoY -0.8pp QoQ |
-3.3pp | 16.7% | 22.1% | 20.8% | 29% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
396
+20 (+5.3%) YoY +1 (+0.3%) QoQ |
+82 | 313 | 98 | 482 | 77% |
| Assets per Employee ($) |
$5.8M
+0.3% YoY -2.9% QoQ |
-$4.7M | $10.5M | $7.5M | $8.8M | 9% |
| Branch Count |
25
0 YoY 0 QoQ |
+5 | 20 | 6 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 0.2% | 0.1% | 0.4% | 89% |
| Nonaccrual |
0.3%
0.0pp YoY +0.2pp QoQ |
-0.5pp | 0.8% | 0.8% | 1.0% | 35% |
| Allowance Coverage |
1.68x
+30.3% YoY -24.1% QoQ |
-17.03x | 18.71x | 38.10x | 20.23x | 42% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 51% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.7%
+1.0pp YoY +0.5pp QoQ |
+1.1pp | 12.6% | 13.6% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.6% | 1.7% | 20% |
| Net Income ($, YTD) |
$12.5M
+14.0% YoY — QoQ |
-$6.8M | $19.2M | $6.6M | $40.4M | 50% |
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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.