BlastPoint's Banking Scorecard
Colony Bank
Fitzgerald, GA
33 branches across GA · FL
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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in GA.
- Deposits +16.1% year over year ($3.0B on the books).
- Delinquency rate 0.77%.
- Return on assets 1.08%.
- Efficiency ratio 63.89% vs a 59.73% peer average.
- Loan-to-deposit ratio 81.99% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Colony Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.10% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Net Interest Margin 0.30% below tier average
- - Efficiency Ratio 4.16% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.6B
+16.5% YoY
-2.5% QoQ
|
+$820.2M |
$2.8B
-0.6% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
77% |
| Total Loans ? |
$2.5B
+23.6% YoY
+2.4% QoQ
|
+$503.8M |
$2.0B
-0.3% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
76% |
| Total Deposits ? |
$3.0B
+16.1% YoY
-2.1% QoQ
|
+$690.0M |
$2.3B
-0.5% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
77% |
| Return on Assets ? |
1.08%
+6.8% YoY
+15.3% QoQ
|
-0.31% |
1.39%
+17.0% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
3.57%
+14.3% YoY
+2.1% QoQ
|
-0.30% |
3.87%
+6.2% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
63.89%
-2.1% YoY
-4.7% QoQ
|
+4.16% |
59.73%
-12.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
0.77%
+43.7% YoY
+4.2% QoQ
|
-0.10% |
0.87%
+11.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
81.99%
+6.4% YoY
+4.7% QoQ
|
-3.04% |
85.04%
-0.1% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
16.64%
-8.2% YoY
-1.8% QoQ
|
-4.63% |
21.27%
-1.5% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.58%
+56.7% YoY
+8.6% QoQ
|
-0.10% |
0.67%
+11.7% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
13.55%
+2.4% YoY
-0.3% QoQ
|
-1.29% |
14.84%
-0.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.64%
+3.6% YoY
+120.1% QoQ
|
+0.11% |
0.53%
+2.5% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
Top 12.2% in tier |
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 |
16.6%
-1.5pp YoY -0.3pp QoQ |
-4.7pp | 21.4% | 26.2% | 22.2% | 33% |
| Brokered Deposits |
4.1%
+1.8pp YoY -0.3pp QoQ |
-5.4pp | 9.5% | 7.5% | 8.5% | 42% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.1%
-0.1pp YoY +0.2pp QoQ |
-5.9pp | 14.0% | 9.7% | 12.5% | 35% |
| CRE |
61.0%
-0.9pp YoY -1.0pp QoQ |
+11.0pp | 50.0% | 48.9% | 41.4% | 76% |
| 1-4 Family |
20.9%
+2.3pp YoY +0.3pp QoQ |
-5.5pp | 26.4% | 31.7% | 31.3% | 44% |
| Consumer |
7.2%
+0.8pp YoY +0.6pp QoQ |
+2.5pp | 4.7% | 4.8% | 5.0% | 86% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.6%
+0.3pp YoY 0.0pp QoQ |
-2.0pp | 15.6% | 20.9% | 19.7% | 51% |
| Leverage Ratio |
10.0%
+0.5pp YoY 0.0pp QoQ |
-1.3pp | 11.3% | 14.0% | 12.6% | 36% |
| Total Capital Ratio |
14.4%
+0.3pp YoY 0.0pp QoQ |
-2.3pp | 16.7% | 22.1% | 20.8% | 45% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
528
+85 (+19.2%) YoY +22 (+4.3%) QoQ |
+214 | 313 | 98 | 482 | 85% |
| Assets per Employee ($) |
$6.8M
-2.3% YoY -6.5% QoQ |
-$3.6M | $10.5M | $7.5M | $8.8M | 22% |
| Branch Count |
33
+4 (+13.8%) YoY 0 QoQ |
+13 | 20 | 6 | 18 | 84% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.4% | 18% |
| Nonaccrual |
0.8%
+0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.8% | 0.8% | 1.0% | 65% |
| Allowance Coverage |
1.16x
-35.2% YoY -4.9% QoQ |
-17.55x | 18.71x | 38.10x | 20.23x | 29% |
| Net Charge-off Rate (YTD) |
0.3%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 0.3% | 0.1% | 0.2% | 85% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.9%
-0.3pp YoY +1.2pp QoQ |
-2.7pp | 12.6% | 13.6% | 11.6% | 32% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.6% | 1.7% | 40% |
| Net Income ($, YTD) |
$19.9M
+26.0% YoY — QoQ |
+$706K | $19.2M | $6.6M | $40.4M | 69% |
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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.