BlastPoint's Banking Scorecard

First National Community Bank

$100M-$1B Specialty: Commercial GA FDIC cert 22092

Chatsworth, GA

11 branches across GA

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

First National Community Bank has 4 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

+ Net Interest Margin 0.99% above tier average
+ ROA 0.60% above tier average
+ Efficiency Ratio 16.68% below tier average
+ Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 2.7% in tier
- Credit Quality Pressure: Bottom 33.0% in tier

Get updates when First National Community 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 ?	$721.4M +6.3% YoY +2.6% QoQ	+$335.3M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	Top 11.7% in tier
Total Loans ?	$509.4M +0.7% YoY +4.1% QoQ	+$253.7M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	Top 10.1% in tier
Total Deposits ?	$619.0M +5.7% YoY +2.3% QoQ	+$291.1M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Top 11.4% in tier
Return on Assets ?	1.87% +0.6% YoY +2.3% QoQ	+0.60%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	4.92% -4.2% YoY -5.1% QoQ	+0.99%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 8.6% in tier
Efficiency Ratio ?	48.60% -3.1% YoY +0.9% QoQ	-16.68%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 13.5% in tier
Delinquency Rate ?	0.47% +51.8% YoY -14.2% QoQ	-0.42%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	82.30% -4.7% YoY +1.7% QoQ	+5.66%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	41%
Non-Interest-Bearing Deposit Share ?	23.97% -7.4% YoY -2.4% QoQ	+1.95%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	0.33% +43.8% YoY -13.0% QoQ	-0.31%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	48%
Tier 1 Capital Ratio ?	13.50% +2.3% YoY +3.4% QoQ	-2.33%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.11% +3.6% YoY -76.4% QoQ	-0.17%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	60%

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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 (2)

Credit Risk Growth

risk

#27 of 973 • Bottom 2.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Credit Quality Pressure

risk

#432 of 1308 • Bottom 33.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.47%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 (6 metrics)

230

Net Interest Margin

profitability

Value: 4.92%

Peer Median: 3.93%

#230 of 2664 Top 8.6% in $100M-$1B

269

Total Loans

size

Value: $509.44M

Peer Median: $255.72M

#269 of 2664 Top 10.1% in $100M-$1B

304

Total Deposits

size

Value: $619.03M

Peer Median: $327.97M

#304 of 2664 Top 11.4% in $100M-$1B

312

Total Assets

size

Value: $721.42M

Peer Median: $386.08M

#312 of 2664 Top 11.7% in $100M-$1B

360

Efficiency Ratio

profitability

Value: 48.60%

Peer Median: 65.29%

#360 of 2664 Top 13.5% in $100M-$1B

431

Return on Assets

profitability

Value: 1.87%

Peer Median: 1.27%

#431 of 2664 Top 16.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available