BlastPoint's Banking Scorecard

West Central Georgia Bank

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

Thomaston, GA

2 branches across GA

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

West Central Georgia Bank demonstrates 5 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.32% above tier average
+ Net Interest Margin 0.23% above tier average
+ Efficiency Ratio 8.14% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when West Central Georgia Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$162.7M +4.5% YoY +3.2% QoQ	-$223.4M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$76.0M +0.1% YoY -2.0% QoQ	-$179.7M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	Bottom 9.4% in tier
Total Deposits ?	$126.1M +4.6% YoY +4.2% QoQ	-$201.8M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Bottom 13.9% in tier
Return on Assets ?	1.59% +34.6% YoY +2.8% QoQ	+0.32%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	4.16% -2.0% YoY -5.5% QoQ	+0.23%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	57.15% -12.2% YoY -0.9% QoQ	-8.14%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	68%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	60.23% -4.3% YoY -5.9% QoQ	-16.40%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	26.96% -3.6% YoY -0.2% QoQ	+4.94%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	73%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	22.33% -5.6% YoY -2.2% QoQ	+6.50%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 9.4% in tier
Non-Interest Income / Assets ?	0.20% +5.1% YoY -74.1% QoQ	-0.08%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	Top 14.5% 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 (0)

No matched strength signatures this quarter

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 (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

252

Tier 1 Capital Ratio

capital

Value: 22.33%

Peer Median: 15.83%

#252 of 2664 Top 9.4% in $100M-$1B

386

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#386 of 2664 Top 14.5% in $100M-$1B

497

Loan-to-Deposit Ratio

liquidity

Value: 60.23%

Peer Median: 76.64%

#497 of 2664 Top 18.6% in $100M-$1B

Top Weaknesses (3 metrics)

2414

Total Loans

size

Value: $75.98M

Peer Median: $255.72M

#2414 of 2664 Bottom 9.4% in $100M-$1B

2294

Total Deposits

size

Value: $126.14M

Peer Median: $327.97M

#2294 of 2664 Bottom 13.9% in $100M-$1B

2194

Total Assets

size

Value: $162.70M

Peer Median: $386.08M

#2194 of 2664 Bottom 17.7% in $100M-$1B