BlastPoint's Banking Scorecard
First State Bank of Randolph County
Designations: ✓ Community bank
Cuthbert, GA
2 branches across GA
First State Bank of Randolph County faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.35% below tier average
- - Delinquency Rate 3.36% above tier average
- - ROA 1.15% below tier average
- - Efficiency Ratio 22.81% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.1M
-0.0% YoY
+2.8% QoQ
|
+$25.9M |
$62.2M
-0.6% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
84% |
| Total Loans ? |
$28.0M
-10.6% YoY
-0.4% QoQ
|
-$6.2M |
$34.2M
-1.4% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$86.3M
-1.3% YoY
+3.0% QoQ
|
+$34.5M |
$51.7M
-0.7% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
Top 2.0% in tier |
| Return on Assets ? |
-0.31%
-377.2% YoY
-36.1% QoQ
|
-1.15% |
0.84%
-2.3% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.8% in tier |
| Net Interest Margin ? |
2.51%
-8.1% YoY
-2.8% QoQ
|
-1.35% |
3.86%
+2.8% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio ? |
111.15%
+16.4% YoY
+3.0% QoQ
|
+22.81% |
88.34%
+0.3% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.5% in tier |
| Delinquency Rate ? |
4.74%
+25.8% YoY
+3.5% QoQ
|
+3.36% |
1.37%
+33.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.5% in tier |
| Loan-to-Deposit Ratio ? |
32.47%
-9.4% YoY
-3.3% QoQ
|
-31.74% |
64.22%
-0.7% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
Top 10.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.84%
-7.2% YoY
-9.6% QoQ
|
+4.12% |
23.71%
+0.3% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
1.51%
-6.6% YoY
-16.3% QoQ
|
+0.72% |
0.79%
+28.2% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
15.71%
+0.6% YoY
-1.6% QoQ
|
-10.97% |
26.68%
+2.0% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.07%
+8.4% YoY
-73.3% QoQ
|
-0.59% |
0.67%
+1.9% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
58% |
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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.