BlastPoint's Banking Scorecard
First Peoples Bank
Pine Mountain, GA
7 branches across GA
First Peoples Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 66.9% in tier
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 42.6% in tier
- - Cost Spiral: Bottom 69.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$417.9M
+11.1% YoY
-6.0% QoQ
|
+$31.9M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$323.3M
+14.2% YoY
+7.1% QoQ
|
+$67.6M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$354.8M
+7.7% YoY
-7.4% QoQ
|
+$26.8M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
1.06%
-18.4% YoY
-13.6% QoQ
|
-0.21% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
4.64%
+5.2% YoY
+2.4% QoQ
|
+0.71% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 14.5% in tier |
| Efficiency Ratio ? |
66.45%
+14.1% YoY
+7.5% QoQ
|
+1.16% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? |
0.06%
-74.6% YoY
-19.5% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
91.14%
+6.1% YoY
+15.7% QoQ
|
+14.51% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
34.05%
+2.4% YoY
-13.1% QoQ
|
+12.03% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Top 11.2% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-73.8% YoY
-8.3% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
15.27%
+13.7% YoY
-6.2% QoQ
|
-0.56% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.09%
+52.6% YoY
-64.9% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
48% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.