BlastPoint's Banking Scorecard

Community Bank of Pickens County

$100M-$1B Specialty: Commercial GA FDIC cert 35513

Jasper, GA

2 branches across GA

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

Community Bank of Pickens County has 3 strengths but faces 2 concerns

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

+ Return on Assets 1.02% above tier average
+ Efficiency Ratio 26.86% below tier average
+ Net Interest Margin 0.61% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 29.5% in tier
- Delinquency Rate 1.26% above tier average

Get updates when Community Bank of Pickens County releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$639.3M +7.5% YoY +1.5% QoQ	+$253.3M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$468.4M +8.8% YoY +1.2% QoQ	+$212.7M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	Top 14.0% in tier
Total Deposits ?	$548.3M +6.9% YoY +1.1% QoQ	+$220.3M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	2.28% -8.0% YoY -11.3% QoQ	+1.02%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 7.4% in tier
Net Interest Margin ?	4.54% -16.3% YoY -12.4% QoQ	+0.61%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	38.42% -3.3% YoY +8.4% QoQ	-26.86%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 2.8% in tier
Delinquency Rate ?	2.15% +61.2% YoY +0.5% QoQ	+1.26%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	Bottom 11.1% in tier
Loan-to-Deposit Ratio ?	85.44% +1.7% YoY +0.1% QoQ	+8.80%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	19.19% -6.4% YoY +3.2% QoQ	-2.83%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	1.61% +53.7% YoY +1.1% QoQ	+0.97%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	Bottom 10.3% in tier
Tier 1 Capital Ratio ?	19.57% +0.9% YoY +2.6% QoQ	+3.74%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 14.5% in tier
Non-Interest Income / Assets ?	0.13% +58.3% YoY -75.2% QoQ	-0.15%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	68%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#219 of 739 • Bottom 29.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.57%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 85.44%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 (7 metrics)

Efficiency Ratio

profitability

Value: 38.42%

Peer Median: 65.29%

#76 of 2664 Top 2.8% in $100M-$1B

197

Return on Assets

profitability

Value: 2.28%

Peer Median: 1.27%

#197 of 2664 Top 7.4% in $100M-$1B

374

Total Loans

size

Value: $468.44M

Peer Median: $255.72M

#374 of 2664 Top 14.0% in $100M-$1B

386

Tier 1 Capital Ratio

capital

Value: 19.57%

Peer Median: 15.83%

#386 of 2664 Top 14.5% in $100M-$1B

437

Total Deposits

size

Value: $548.30M

Peer Median: $327.97M

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

440

Total Assets

size

Value: $639.34M

Peer Median: $386.08M

#440 of 2664 Top 16.5% in $100M-$1B

450

Net Interest Margin

profitability

Value: 4.54%

Peer Median: 3.93%

#450 of 2664 Top 16.9% in $100M-$1B

Top Weaknesses (2 metrics)

2391

Nonperforming Asset Ratio

credit_quality

Value: 1.61%

Peer Median: 0.64%

#2391 of 2664 Bottom 10.3% in $100M-$1B

2360

Delinquency Rate

credit_quality

Value: 2.15%

Peer Median: 0.89%

#2360 of 2654 Bottom 11.1% in $100M-$1B