BlastPoint's Banking Scorecard

South Georgia Bank

$100M-$1B Specialty: Commercial GA FDIC cert 32532

Glennville, GA

5 branches across GA

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

South Georgia Bank shows strong momentum with 5 strengths and 9.8% YoY asset growth

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

+ Revenue Diversifier: Top 49.2% in tier
+ ROA 0.59% above tier average
+ Net Interest Margin 0.32% above tier average
+ Efficiency Ratio 11.08% below tier average
+ Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when South Georgia 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 ?	$262.5M +9.8% YoY +2.5% QoQ	-$123.6M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$133.7M +14.1% YoY -2.9% QoQ	-$122.0M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	30%
Total Deposits ?	$235.0M +9.9% YoY +3.0% QoQ	-$92.9M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	1.86% +1.8% YoY -1.3% QoQ	+0.59%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	83%
Net Interest Margin ?	4.25% +4.3% YoY -3.3% QoQ	+0.32%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	71%
Efficiency Ratio ?	54.20% -3.1% YoY -1.1% QoQ	-11.08%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.78% -39.8% YoY -49.7% QoQ	-0.11%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	56.89% +3.8% YoY -5.7% QoQ	-19.74%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	85%
Non-Interest-Bearing Deposit Share ?	30.71% +2.6% YoY +1.9% QoQ	+8.69%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.40% -37.4% YoY -52.3% QoQ	-0.24%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	43%
Tier 1 Capital Ratio ?	20.41% +0.3% YoY +3.1% QoQ	+4.58%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 12.6% in tier
Non-Interest Income / Assets ?	0.17% +4.0% YoY -73.7% QoQ	-0.11%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	80%

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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 (1)

Revenue Diversifier

growth

#329 of 666 • Top 49.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.17%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.86%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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)

336

Tier 1 Capital Ratio

capital

Value: 20.41%

Peer Median: 15.83%

#336 of 2664 Top 12.6% in $100M-$1B

411

Loan-to-Deposit Ratio

liquidity

Value: 56.89%

Peer Median: 76.64%

#411 of 2664 Top 15.4% in $100M-$1B

438

Non-Interest-Bearing Deposit Share

funding

Value: 30.71%

Peer Median: 22.02%

#438 of 2664 Top 16.4% in $100M-$1B

442

Return on Assets

profitability

Value: 1.86%

Peer Median: 1.27%

#442 of 2664 Top 16.6% in $100M-$1B

545

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#545 of 2664 Top 20.4% in $100M-$1B

652

Efficiency Ratio

profitability

Value: 54.20%

Peer Median: 65.29%

#652 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available