BlastPoint's Banking Scorecard

The First National Bank of Waynesboro

$100M-$1B Specialty: Other GA FDIC cert 2160

Waynesboro, GA

2 branches across GA

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

The First National Bank of Waynesboro has 5 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

+ Revenue Diversifier: Top 22.5% in tier
+ Return on Assets 1.07% above tier average
+ Net Interest Margin 0.98% above tier average
+ Efficiency Ratio 18.40% below tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 7.6% in tier
- Deposit Outflow: Bottom 36.2% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$226.7M +0.9% YoY +0.1% QoQ	-$159.4M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	32%
Total Loans ?	$144.2M +7.8% YoY +0.4% QoQ	-$111.6M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$182.0M -1.5% YoY -0.5% QoQ	-$145.9M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	30%
Return on Assets ?	2.34% -0.3% YoY +5.8% QoQ	+1.07%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 6.5% in tier
Net Interest Margin ?	4.91% -0.1% YoY -4.0% QoQ	+0.98%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 8.8% in tier
Efficiency Ratio ?	46.88% -0.4% YoY -2.2% QoQ	-18.40%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 10.9% in tier
Delinquency Rate ?	0.17% -5.3% YoY -27.2% QoQ	-0.72%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	67%
Loan-to-Deposit Ratio ?	79.19% +9.4% YoY +0.9% QoQ	+2.56%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	27.48% -4.8% YoY -0.1% QoQ	+5.46%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.11% +1.2% YoY -27.0% QoQ	-0.53%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	34.67% +5.3% YoY +2.3% QoQ	+18.84%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 2.4% in tier
Non-Interest Income / Assets ?	0.23% -5.7% YoY -77.5% QoQ	-0.05%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	Top 10.8% 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 (1)

Revenue Diversifier

growth

#151 of 666 • Top 22.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.23%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.34%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Overhang

risk

#57 of 739 • Bottom 7.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 34.67%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 79.19%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#184 of 506 • Bottom 36.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Tier 1 Capital Ratio

capital

Value: 34.67%

Peer Median: 15.83%

#66 of 2664 Top 2.4% in $100M-$1B

175

Return on Assets

profitability

Value: 2.34%

Peer Median: 1.27%

#175 of 2664 Top 6.5% in $100M-$1B

235

Net Interest Margin

profitability

Value: 4.91%

Peer Median: 3.93%

#235 of 2664 Top 8.8% in $100M-$1B

288

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#288 of 2664 Top 10.8% in $100M-$1B

292

Efficiency Ratio

profitability

Value: 46.88%

Peer Median: 65.29%

#292 of 2664 Top 10.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available