BlastPoint's Banking Scorecard

AB&T

$100M-$1B Specialty: Commercial GA FDIC cert 35029

Albany, GA

3 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 +0.9% year over year ($227.9M on the books).
Delinquency rate 0.00%.
Return on assets 1.92%.
Efficiency ratio 48.12% vs a 64.48% peer average.
Loan-to-deposit ratio 80.87% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

AB&T demonstrates 5 strengths

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

+ Credit Quality Leader: Top 44.2% in tier
+ Deposit Franchise: Top 72.3% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.59% above tier average
+ Efficiency Ratio 16.36% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when AB&T releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$261.2M +1.3% YoY -3.8% QoQ	-$125.4M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	39%
Total Loans ?	$184.3M +6.0% YoY +3.0% QoQ	-$74.0M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	44%
Total Deposits ?	$227.9M +0.9% YoY -4.5% QoQ	-$98.8M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	40%
Return on Assets ?	1.92% +5.6% YoY +4.3% QoQ	+0.59%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	4.64% +3.1% YoY +2.4% QoQ	+0.65%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	84%
Efficiency Ratio ?	48.12% -0.5% YoY -1.1% QoQ	-16.36%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	Top 13.2% in tier
Delinquency Rate ?	0.00% -100.0% QoQ	-0.92%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	80.87% +5.0% YoY +7.8% QoQ	+2.92%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	33.69% -9.3% YoY -3.3% QoQ	+11.66%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 11.3% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.67%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.96% -0.3% YoY -1.0% QoQ	+1.05%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.23% +33.8% YoY +133.1% QoQ	-0.34%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	58%

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	33.7% -3.5pp YoY -1.2pp QoQ	+11.5pp	22.1%	26.2%	22.2%	89%
Brokered Deposits	2.6% +0.4pp QoQ	-5.2pp	7.9%	7.5%	8.5%	35%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	20.8% -3.9pp YoY -3.7pp QoQ	+9.3pp	11.6%	9.7%	12.5%	89%
CRE	39.5% +0.6pp YoY +6.3pp QoQ	0.0pp	39.5%	48.9%	41.4%	52%
1-4 Family	34.2% +2.5pp YoY -1.4pp QoQ	+1.6pp	32.6%	31.7%	31.3%	60%
Consumer	1.7% +0.2pp YoY +0.2pp QoQ	-2.4pp	4.1%	4.8%	5.0%	43%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	17.0% -0.1pp YoY -0.2pp QoQ	-1.9pp	18.8%	20.9%	19.7%	64%
Leverage Ratio	11.8% +0.3pp YoY +0.3pp QoQ	-0.3pp	12.2%	14.0%	12.6%	63%
Total Capital Ratio	18.2% 0.0pp YoY -0.2pp QoQ	-1.7pp	19.9%	22.1%	20.8%	64%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	28 +1 (+3.7%) YoY +2 (+7.7%) QoQ	-31	58	98	482	24%
Assets per Employee ($)	$9.3M -2.4% YoY -10.7% QoQ	+$1.8M	$7.5M	$7.5M	$8.8M	82%
Branch Count	3 0 YoY 0 QoQ	-2	4	6	18	26%

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	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	38.10x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	16.6% +0.4pp YoY +0.4pp QoQ	+4.4pp	12.2%	13.6%	11.6%	76%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	13%
Net Income ($, YTD)	$2.6M +7.4% YoY — QoQ	+$40K	$2.6M	$6.6M	$40.4M	63%

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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 (2)

Credit Quality Leader

growth

#292 of 659 • Top 44.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Deposit Franchise

growth

#202 of 278 • Top 72.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 33.69%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.64%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

299

Non-Interest-Bearing Deposit Share

funding

Value: 33.69%

Peer Median: 22.03%

#299 of 2643 Top 11.3% in $100M-$1B

351

Efficiency Ratio

profitability

Value: 48.12%

Peer Median: 64.48%

#351 of 2643 Top 13.2% in $100M-$1B

411

Return on Assets

profitability

Value: 1.92%

Peer Median: 1.32%

#411 of 2643 Top 15.5% in $100M-$1B

437

Net Interest Margin

profitability

Value: 4.64%

Peer Median: 3.99%

#437 of 2643 Top 16.5% in $100M-$1B

617

Tier 1 Capital Ratio

capital

Value: 16.96%

Peer Median: 15.91%

#617 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available