BlastPoint

BlastPoint's Banking Scorecard

Community Banking Company

$100M-$1B Specialty: Other GA FDIC cert 34160

Fitzgerald, GA

3 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA
View $100M-$1B leaderboard (GA) →

Community Banking Company shows strong momentum with 4 strengths and 9.1% 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

  • + ROA 0.41% above tier average
  • + Net Interest Margin 0.06% above tier average
  • + Efficiency Ratio 11.08% below tier average
  • + Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Community Banking Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $305.5M
+9.1% YoY +1.2% QoQ
-$80.5M $386.1M
+0.5% YoY
$814.8M
+10.0% YoY
$6.2B
+9.1% YoY
47%
Total Loans ? $170.2M
+12.5% YoY +7.1% QoQ
-$85.5M $255.7M
+1.1% YoY
$550.6M
+10.4% YoY
$3.2B
+10.8% YoY
41%
Total Deposits ? $269.0M
+9.5% YoY +0.6% QoQ
-$59.0M $328.0M
+0.1% YoY
$689.3M
+8.9% YoY
$4.8B
+8.2% YoY
49%
Return on Assets ? 1.68%
+12.9% YoY +9.4% QoQ
+0.41% 1.27%
+12.9% YoY
1.50%
+0.6% YoY
1.23%
+13.4% YoY
77%
Net Interest Margin ? 3.99%
+1.8% YoY -3.3% QoQ
+0.06% 3.93%
+6.0% YoY
4.36%
+2.3% YoY
3.89%
+5.7% YoY
56%
Efficiency Ratio ? 54.20%
-1.7% YoY -2.4% QoQ
-11.08% 65.29%
-4.5% YoY
62.13%
-1.5% YoY
66.95%
-4.1% YoY
76%
Delinquency Rate ? 0.75%
-7.7% YoY -7.6% QoQ
-0.13% 0.89%
+18.8% YoY
0.81%
+32.9% YoY
0.95%
+18.8% YoY
35%
Loan-to-Deposit Ratio ? 63.28%
+2.7% YoY +6.5% QoQ
-13.36% 76.64%
+0.8% YoY
71.10%
+2.8% YoY
76.70%
+0.9% YoY
77%
Non-Interest-Bearing Deposit Share ? 19.68%
-1.7% YoY +4.7% QoQ
-2.34% 22.02%
-1.0% YoY
26.76%
-3.7% YoY
22.01%
-1.2% YoY
43%
Nonperforming Asset Ratio ? 0.42%
-4.9% YoY -2.2% QoQ
-0.22% 0.64%
+19.7% YoY
0.56%
+24.4% YoY
0.67%
+19.3% YoY
42%
Tier 1 Capital Ratio ? 10.86%
-0.7% YoY -1.1% QoQ
-4.97% 15.83%
+1.5% YoY
17.30%
-0.8% YoY
17.06%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.19%
+19.7% YoY -71.4% QoQ
-0.09% 0.28%
+9.3% YoY
0.21%
+3.2% YoY
0.32%
+4.1% YoY
83%

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 (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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

451
Non-Interest Income / Assets
revenue_mix
Value: 0.19%
Peer Median: 0.28%
#451 of 2664 Top 16.9% in $100M-$1B
608
Loan-to-Deposit Ratio
liquidity
Value: 63.28%
Peer Median: 76.64%
#608 of 2664 Top 22.8% in $100M-$1B
616
Return on Assets
profitability
Value: 1.68%
Peer Median: 1.27%
#616 of 2664 Top 23.1% in $100M-$1B
653
Efficiency Ratio
profitability
Value: 54.20%
Peer Median: 65.29%
#653 of 2664 Top 24.5% in $100M-$1B

Top Weaknesses (1 metrics)

2094
Tier 1 Capital Ratio
capital
Value: 10.86%
Peer Median: 15.83%
#2094 of 2664 Bottom 21.4% in $100M-$1B
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