BlastPoint's Banking Scorecard
South Georgia Bank
Glennville, GA
5 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 +7.8% year over year ($241.3M on the books).
- Delinquency rate 0.17%.
- Return on assets 1.85%.
- Efficiency ratio 52.88% vs a 64.48% peer average.
- Loan-to-deposit ratio 55.41% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
South Georgia Bank shows strong momentum with 4 strengths and 8.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.53% above tier average
- + Net Interest Margin 0.37% above tier average
- + Efficiency Ratio 11.60% below tier average
- + Delinquency Rate 0.75% 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 ? |
$269.5M
+8.0% YoY
+2.7% QoQ
|
-$117.0M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$133.7M
+5.1% YoY
+0.0% QoQ
|
-$124.6M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$241.3M
+7.8% YoY
+2.7% QoQ
|
-$85.4M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
1.85%
-0.8% YoY
-0.2% QoQ
|
+0.53% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
4.36%
+1.8% YoY
+2.4% QoQ
|
+0.37% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
52.88%
-7.2% YoY
-2.4% QoQ
|
-11.60% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
0.17%
-84.7% YoY
-78.8% QoQ
|
-0.75% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
55.41%
-2.5% YoY
-2.6% QoQ
|
-22.54% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 12.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.94%
+6.9% YoY
+0.7% QoQ
|
+8.91% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.08%
-85.2% YoY
-79.3% QoQ
|
-0.59% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
20.57%
+3.8% YoY
+0.8% QoQ
|
+4.67% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Top 12.5% in tier |
| Non-Interest Income / Assets ? |
0.32%
+2.0% YoY
+87.2% QoQ
|
-0.24% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
76% |
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 |
30.9%
+2.0pp YoY +0.2pp QoQ |
+8.8pp | 22.1% | 26.2% | 22.2% | 84% |
| 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 |
14.5%
+0.1pp YoY -0.4pp QoQ |
+3.0pp | 11.6% | 9.7% | 12.5% | 74% |
| CRE |
47.9%
-0.8pp YoY +0.8pp QoQ |
+8.4pp | 39.5% | 48.9% | 41.4% | 67% |
| 1-4 Family |
23.6%
+1.5pp YoY -0.2pp QoQ |
-9.0pp | 32.6% | 31.7% | 31.3% | 38% |
| Consumer |
4.9%
+0.2pp YoY -0.2pp QoQ |
+0.8pp | 4.1% | 4.8% | 5.0% | 77% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.6%
+0.8pp YoY +0.2pp QoQ |
+1.7pp | 18.8% | 20.9% | 19.7% | 79% |
| Leverage Ratio |
10.6%
-0.1pp YoY -0.1pp QoQ |
-1.6pp | 12.2% | 14.0% | 12.6% | 43% |
| Total Capital Ratio |
21.8%
+0.8pp YoY +0.2pp QoQ |
+1.9pp | 19.9% | 22.1% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
47
-4 (-7.8%) YoY 0 QoQ |
-12 | 58 | 98 | 482 | 49% |
| Assets per Employee ($) |
$5.7M
+17.2% YoY +2.7% QoQ |
-$1.8M | $7.5M | $7.5M | $8.8M | 28% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 6 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.9pp YoY -0.6pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 26% |
| Allowance Coverage |
15.66x
+633.8% YoY +379.0% QoQ |
-8.50x | 24.15x | 38.10x | 20.23x | 87% |
| Net Charge-off Rate (YTD) |
0.2%
-0.2pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.9%
-1.3pp YoY 0.0pp QoQ |
+8.7pp | 12.2% | 13.6% | 11.6% | 90% |
| Cost of Funds (YTD) |
1.2%
-0.3pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 21% |
| Net Income ($, YTD) |
$2.4M
+9.0% YoY — QoQ |
-$120K | $2.6M | $6.6M | $40.4M | 60% |
Get Full Access to South Georgia Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.