BlastPoint's Banking Scorecard
Rabun County Bank
Clayton, GA
4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
- Deposits +6.0% year over year ($321.3M on the books).
- Delinquency rate 0.05%.
- Return on assets 1.64%.
- Efficiency ratio 51.46% vs a 64.48% peer average.
- Loan-to-deposit ratio 71.80% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Rabun County Bank shows strong momentum with 4 strengths and 5.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 20.9% in tier
- + ROA 0.32% above tier average
- + Net Interest Margin 0.11% above tier average
- + Efficiency Ratio 13.02% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$361.5M
+5.4% YoY
-0.7% QoQ
|
-$25.1M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$230.7M
+11.9% YoY
+6.9% QoQ
|
-$27.7M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$321.3M
+6.0% YoY
-0.7% QoQ
|
-$5.5M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
58% |
| Return on Assets ? |
1.64%
+17.1% YoY
+25.0% QoQ
|
+0.32% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
4.09%
+4.7% YoY
+5.2% QoQ
|
+0.11% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
51.46%
-9.5% YoY
-9.0% QoQ
|
-13.02% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
80% |
| Delinquency Rate ? |
0.05%
-34.5% YoY
-48.7% QoQ
|
-0.86% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
71.80%
+5.6% YoY
+7.7% QoQ
|
-6.15% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
29.64%
+2.5% YoY
-1.0% QoQ
|
+7.61% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.03%
-79.2% YoY
-79.9% QoQ
|
-0.63% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
10.49%
-4.6% YoY
-0.9% QoQ
|
-5.42% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.39%
+34.3% YoY
+232.3% QoQ
|
-0.18% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
84% |
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 |
29.6%
+0.7pp YoY -0.3pp QoQ |
+7.5pp | 22.1% | 26.2% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
4.6%
-0.3pp YoY -0.7pp QoQ |
-7.0pp | 11.6% | 9.7% | 12.5% | 17% |
| CRE |
44.1%
+3.7pp YoY +2.2pp QoQ |
+4.6pp | 39.5% | 48.9% | 41.4% | 60% |
| 1-4 Family |
44.0%
-3.4pp YoY -0.5pp QoQ |
+11.4pp | 32.6% | 31.7% | 31.3% | 76% |
| Consumer |
5.5%
-0.9pp YoY -0.6pp QoQ |
+1.4pp | 4.1% | 4.8% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
10.5%
-0.5pp YoY -0.1pp QoQ |
-1.7pp | 12.2% | 14.0% | 12.6% | 41% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
50
+1 (+2.0%) YoY +2 (+4.2%) QoQ |
-9 | 58 | 98 | 482 | 53% |
| Assets per Employee ($) |
$7.2M
+3.3% YoY -4.7% QoQ |
-$288K | $7.5M | $7.5M | $8.8M | 56% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 12% |
| Allowance Coverage |
26.29x
+50.1% YoY +88.1% QoQ |
+2.14x | 24.15x | 38.10x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.0%
+2.7pp YoY +3.2pp QoQ |
+3.8pp | 12.2% | 13.6% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 44% |
| Net Income ($, YTD) |
$3.0M
+26.4% YoY — QoQ |
+$434K | $2.6M | $6.6M | $40.4M | 70% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.