BlastPoint's Banking Scorecard

Affinity Bank, National Association

$100M-$1B Specialty: Commercial GA FDIC cert 29510

Covington, GA

2 branches across GA

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

Affinity Bank, National Association has 2 strengths but faces 3 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

+ Efficiency Ratio 2.87% below tier average
+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 46.5% in tier
- ROA 0.22% below tier average
- Net Interest Margin 0.37% below tier average

Get updates when Affinity Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$924.5M +1.4% YoY +4.9% QoQ	+$538.4M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	Top 3.0% in tier
Total Loans ?	$743.0M +4.2% YoY +1.3% QoQ	+$487.3M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	Top 1.2% in tier
Total Deposits ?	$742.7M +0.5% YoY +5.6% QoQ	+$414.8M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Top 4.8% in tier
Return on Assets ?	1.05% +40.4% YoY +11.9% QoQ	-0.22%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	3.56% +1.2% YoY -3.1% QoQ	-0.37%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	33%
Efficiency Ratio ?	62.42% -12.0% YoY -2.7% QoQ	-2.87%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	52%
Delinquency Rate ?	0.48% -23.8% YoY -2.3% QoQ	-0.41%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	100.03% +3.7% YoY -4.1% QoQ	+23.40%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	Bottom 8.5% in tier
Non-Interest-Bearing Deposit Share ?	21.46% -2.4% YoY +7.0% QoQ	-0.56%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.38% -21.7% YoY -5.7% QoQ	-0.26%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	44%
Tier 1 Capital Ratio ?	12.30% +7.2% YoY +2.1% QoQ	-3.53%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.07% +8.8% YoY -75.3% QoQ	-0.21%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	33%

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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 Strain

risk

#300 of 643 • Bottom 46.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 100.03%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 (3 metrics)

Total Loans

size

Value: $742.97M

Peer Median: $255.72M

#33 of 2664 Top 1.2% in $100M-$1B

Total Assets

size

Value: $924.48M

Peer Median: $386.08M

#80 of 2664 Top 3.0% in $100M-$1B

129

Total Deposits

size

Value: $742.72M

Peer Median: $327.97M

#129 of 2664 Top 4.8% in $100M-$1B

Top Weaknesses (1 metrics)

2438

Loan-to-Deposit Ratio

liquidity

Value: 100.03%

Peer Median: 76.64%

#2438 of 2664 Bottom 8.5% in $100M-$1B