BlastPoint's Banking Scorecard

West Central Georgia Bank

$100M-$1B Specialty: Other GA FDIC cert 21526

Thomaston, GA

2 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 +1.4% year over year ($123.7M on the books).
Delinquency rate 0.05%.
Return on assets 1.65%.
Efficiency ratio 55.75% vs a 64.48% peer average.
Loan-to-deposit ratio 62.77% 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) →

West Central Georgia Bank has 4 strengths but faces 2 concerns

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

+ Credit Quality Leader: Top 10.8% in tier
+ ROA 0.33% above tier average
+ Net Interest Margin 0.30% above tier average
+ Efficiency Ratio 8.73% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.9% in tier
- Credit Quality Pressure: Bottom 3.9% in tier

Get updates when West Central Georgia Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$160.4M +1.9% YoY -1.4% QoQ	-$226.2M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	17%
Total Loans ?	$77.7M +2.6% YoY +2.2% QoQ	-$180.7M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	Bottom 9.5% in tier
Total Deposits ?	$123.7M +1.4% YoY -1.9% QoQ	-$203.0M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	Bottom 13.2% in tier
Return on Assets ?	1.65% +23.1% YoY +3.7% QoQ	+0.33%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	73%
Net Interest Margin ?	4.29% -0.2% YoY +3.0% QoQ	+0.30%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	70%
Efficiency Ratio ?	55.75% -9.6% YoY -2.5% QoQ	-8.73%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	70%
Delinquency Rate ?	0.05% +31.2% YoY	-0.87%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	62.77% +1.2% YoY +4.2% QoQ	-15.18%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	79%
Non-Interest-Bearing Deposit Share ?	27.42% +0.3% YoY +1.7% QoQ	+5.39%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	74%
Nonperforming Asset Ratio ?	0.02% +32.1% YoY	-0.65%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	84%
Tier 1 Capital Ratio ?	22.22% -3.7% YoY -0.5% QoQ	+6.31%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	Top 10.0% in tier
Non-Interest Income / Assets ?	0.40% +6.1% YoY +100.1% QoQ	-0.17%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	85%

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	27.4% +0.1pp YoY +0.5pp QoQ	+5.3pp	22.1%	26.2%	22.2%	74%
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	6.1% -0.3pp YoY -0.4pp QoQ	-5.4pp	11.6%	9.7%	12.5%	26%
CRE	32.0% -3.0pp YoY -0.3pp QoQ	-7.6pp	39.5%	48.9%	41.4%	38%
1-4 Family	58.2% +5.7pp YoY +1.5pp QoQ	+25.6pp	32.6%	31.7%	31.3%	88%
Consumer	5.7% -2.2pp YoY -0.5pp QoQ	+1.6pp	4.1%	4.8%	5.0%	81%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	20.9%	19.7%	n/a
Leverage Ratio	22.2% -0.9pp YoY -0.1pp QoQ	+10.0pp	12.2%	14.0%	12.6%	97%
Total Capital Ratio	n/a	n/a	19.9%	22.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	27 0 YoY 0 QoQ	-32	58	98	482	22%
Assets per Employee ($)	$5.9M +1.9% YoY -1.4% QoQ	-$1.6M	$7.5M	$7.5M	$8.8M	32%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.0%	-0.9pp	0.9%	0.8%	1.0%	10%
Allowance Coverage	51.34x -21.3% YoY	+27.19x	24.15x	38.10x	20.23x	94%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	7.8% +1.4pp YoY +0.3pp QoQ	-4.4pp	12.2%	13.6%	11.6%	24%
Cost of Funds (YTD)	1.1% 0.0pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	13%
Net Income ($, YTD)	$1.3M +28.2% YoY — QoQ	-$1.2M	$2.6M	$6.6M	$40.4M	36%

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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)

Credit Quality Leader

growth

#72 of 659 • Top 10.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk

#19 of 936 • Bottom 1.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#50 of 1256 • Bottom 3.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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)

266

Tier 1 Capital Ratio

capital

Value: 22.22%

Peer Median: 15.91%

#266 of 2643 Top 10.0% in $100M-$1B

400

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.57%

#400 of 2643 Top 15.1% in $100M-$1B

434

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#434 of 2643 Top 16.4% in $100M-$1B

525

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.92%

#525 of 2633 Top 19.9% in $100M-$1B

544

Loan-to-Deposit Ratio

liquidity

Value: 62.77%

Peer Median: 77.95%

#544 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (3 metrics)

2394

Total Loans

size

Value: $77.67M

Peer Median: $258.35M

#2394 of 2643 Bottom 9.5% in $100M-$1B

2296

Total Deposits

size

Value: $123.74M

Peer Median: $326.73M

#2296 of 2643 Bottom 13.2% in $100M-$1B

2189

Total Assets

size

Value: $160.38M

Peer Median: $386.57M

#2189 of 2643 Bottom 17.2% in $100M-$1B