BlastPoint's Banking Scorecard
First State Bank of Randolph County
Designations: ✓ Community bank
Cuthbert, 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 536 banks in the under $100M peer group nationwide — 1 of 13 in GA.
- Deposits -1.2% year over year ($84.4M on the books).
- Delinquency rate 4.58%.
- Return on assets -0.27%.
- Efficiency ratio 109.30% vs a 119.40% peer average.
- Loan-to-deposit ratio 35.92% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank of Randolph County has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.09% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.30% below tier average
- - Efficiency Ratio 10.09% below tier average
- - Delinquency Rate 3.10% above tier average
- - ROA 1.27% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.9M
+1.0% YoY
-1.4% QoQ
|
+$24.4M |
$62.4M
-0.0% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
81% |
| Total Loans ? |
$30.3M
+3.7% YoY
+8.2% QoQ
|
-$4.6M |
$34.9M
-0.6% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
44% |
| Total Deposits ? |
$84.4M
-1.2% YoY
-2.2% QoQ
|
+$32.8M |
$51.6M
-0.2% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
Top 4.3% in tier |
| Return on Assets ? |
-0.27%
-310.7% YoY
+13.2% QoQ
|
-1.27% |
1.00%
+3.5% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 10.6% in tier |
| Net Interest Margin ? |
2.61%
-0.5% YoY
+3.8% QoQ
|
-1.30% |
3.91%
+2.3% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 7.8% in tier |
| Efficiency Ratio ? |
109.30%
+7.3% YoY
-1.7% QoQ
|
-10.09% |
119.40%
+49.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 9.5% in tier |
| Delinquency Rate ? |
4.58%
+7.9% YoY
-3.2% QoQ
|
+3.10% |
1.48%
+31.8% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 6.4% in tier |
| Loan-to-Deposit Ratio ? |
35.92%
+5.0% YoY
+10.6% QoQ
|
-38.29% |
74.21%
+12.6% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 13.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.16%
-5.3% YoY
-2.4% QoQ
|
+3.67% |
23.49%
+0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
1.60%
-7.3% YoY
+6.2% QoQ
|
+0.76% |
0.84%
+23.0% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.2% in tier |
| Tier 1 Capital Ratio ? |
15.14%
-4.6% YoY
-3.6% QoQ
|
-11.98% |
27.13%
+3.0% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.14%
-5.8% YoY
+85.7% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
54% |
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 |
27.2%
-1.5pp YoY -0.7pp QoQ |
+2.5pp | 24.6% | 26.2% | 22.2% | 64% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
19.1%
-1.7pp YoY +0.2pp QoQ |
+5.7pp | 13.4% | 9.7% | 12.5% | 78% |
| CRE | n/a | n/a | 25.2% | 48.9% | 41.4% | n/a |
| 1-4 Family |
7.7%
-4.9pp YoY -0.1pp QoQ |
-27.3pp | 35.0% | 31.7% | 31.3% | 17% |
| Consumer |
11.9%
-0.9pp YoY -0.7pp QoQ |
+4.3pp | 7.7% | 4.8% | 5.0% | 83% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.1%
-0.7pp YoY -0.6pp QoQ |
-23.5pp | 38.7% | 20.9% | 19.7% | 23% |
| Leverage Ratio |
8.3%
-0.2pp YoY +0.1pp QoQ |
-9.4pp | 17.7% | 14.0% | 12.6% | 4% |
| Total Capital Ratio |
15.8%
-0.7pp YoY -0.6pp QoQ |
-23.9pp | 39.7% | 22.1% | 20.8% | 21% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
0 YoY -1 (-5.3%) QoQ |
+6 | 12 | 98 | 482 | 84% |
| Assets per Employee ($) |
$4.8M
+1.0% YoY +4.1% QoQ |
-$1.4M | $6.2M | $7.5M | $8.8M | 32% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 6 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual |
4.6%
+0.3pp YoY -0.1pp QoQ |
+2.8pp | 1.7% | 0.8% | 1.0% | 93% |
| Allowance Coverage |
0.23x
-7.8% YoY -5.9% QoQ |
-6.18x | 6.41x | 38.10x | 20.23x | 3% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 60% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-17.7%
+1.8pp QoQ |
-24.1pp | 6.4% | 13.6% | 11.6% | 3% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.6% | 1.7% | 76% |
| Net Income ($, YTD) |
$-118000.0
-306.9% YoY — QoQ |
-$436K | $317,817 | $6.6M | $40.4M | 9% |
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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.