BlastPoint's Banking Scorecard

RBC Bank, (Georgia) National Association

$1B-$10B Specialty: Other GA FDIC cert 26342

Atlanta, GA

884 banks in the $1B-$10B peer group nationally 11 in GA

RBC Bank, (Georgia) National Association has 4 strengths but faces 1 concern

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

+ Return on Assets 0.93% above tier average
+ Efficiency Ratio 30.16% below tier average
+ Net Interest Margin 0.17% above tier average
+ Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 44.8% 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 ?	$8.8B +27.8% YoY +9.2% QoQ	+$6.0B	$2.8B -0.1% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	Top 2.9% in tier
Total Loans ?	$3.4B +19.1% YoY +9.7% QoQ	+$1.5B	$2.0B +0.6% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	85%
Total Deposits ?	$7.8B +28.9% YoY +10.1% QoQ	+$5.4B	$2.3B -0.3% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Top 1.6% in tier
Return on Assets ?	2.30% -3.2% YoY -7.3% QoQ	+0.93%	1.37% +19.6% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 5.4% in tier
Net Interest Margin ?	3.99% -2.7% YoY -2.7% QoQ	+0.17%	3.82% +6.9% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	71%
Efficiency Ratio ?	30.90% -5.8% YoY +4.5% QoQ	-30.16%	61.06% -4.6% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 2.3% in tier
Delinquency Rate ?	0.62% -8.4% YoY -7.9% QoQ	-0.27%	0.89% +14.1% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	44.10% -7.6% YoY -0.4% QoQ	-40.10%	84.20% +0.3% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	Top 3.3% in tier
Non-Interest-Bearing Deposit Share ?	19.82% -15.9% YoY -8.7% QoQ	-1.47%	21.29% -2.5% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.24% -14.3% YoY -8.5% QoQ	-0.43%	0.67% +15.6% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	43.93% +18.6% YoY +6.8% QoQ	+28.77%	15.16% +2.0% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 1.2% in tier
Non-Interest Income / Assets ?	0.17% -24.4% YoY -75.6% QoQ	-0.09%	0.26% +1.6% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	61%

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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 (1)

Liquidity Overhang

risk

#79 of 174 • Bottom 44.8% 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: 43.93%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 44.10%

(Tier: 84.20%, National: 76.70%)

better than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 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 884 peers in $1B-$10B

Top Strengths (7 metrics)

Tier 1 Capital Ratio

capital

Value: 43.93%

Peer Median: 15.16%

#12 of 884 Top 1.2% in $1B-$10B

Total Deposits

size

Value: $7.77B

Peer Median: $2.34B

#15 of 884 Top 1.6% in $1B-$10B

Efficiency Ratio

profitability

Value: 30.90%

Peer Median: 61.06%

#21 of 884 Top 2.3% in $1B-$10B

Total Assets

size

Value: $8.79B

Peer Median: $2.82B

#27 of 884 Top 2.9% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 44.10%

Peer Median: 84.20%

#30 of 884 Top 3.3% in $1B-$10B

Return on Assets

profitability

Value: 2.30%

Peer Median: 1.37%

#49 of 884 Top 5.4% in $1B-$10B

136

Total Loans

size

Value: $3.43B

Peer Median: $1.96B

#136 of 884 Top 15.3% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available