BlastPoint's Banking Scorecard
The Geo. D. Warthen Bank
Sandersville, GA
The Geo. D. Warthen Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 48.5% in tier
- - ROA 0.06% below tier average
- - Efficiency Ratio 8.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$206.7M
+1.7% YoY
+5.8% QoQ
|
-$179.4M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$104.5M
-4.2% YoY
-5.6% QoQ
|
-$151.2M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$179.1M
+1.1% YoY
+6.5% QoQ
|
-$148.8M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
1.21%
+3.9% YoY
-2.6% QoQ
|
-0.06% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
5.79%
+3.1% YoY
-1.1% QoQ
|
+1.86% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 2.0% in tier |
| Efficiency Ratio ? |
73.43%
+0.3% YoY
+1.0% QoQ
|
+8.14% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
1.40%
+6.6% YoY
+18.8% QoQ
|
+0.51% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
58.32%
-5.2% YoY
-11.3% QoQ
|
-18.31% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
47.86%
-4.3% YoY
-6.6% QoQ
|
+25.84% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Top 2.1% in tier |
| Nonperforming Asset Ratio ? |
0.80%
+6.5% YoY
+19.9% QoQ
|
+0.16% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
22.02%
+10.0% YoY
+3.5% QoQ
|
+6.19% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Top 10.1% in tier |
| Non-Interest Income / Assets ? |
0.15%
-15.8% YoY
-76.2% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
74% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.