BlastPoint's Banking Scorecard
Georgia Banking Company
Designations: ✓ Community bank
Atlanta, GA
10 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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in GA.
- Deposits +37.9% year over year ($2.9B on the books).
- Delinquency rate 0.68%.
- Return on assets 1.05%.
- Efficiency ratio 64.03% vs a 59.73% peer average.
- Loan-to-deposit ratio 88.99% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Georgia Banking Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.34% above tier average
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency Ratio 4.30% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+25.8% YoY
+21.8% QoQ
|
+$465.6M |
$2.8B
-0.6% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
74% |
| Total Loans ? |
$2.6B
+15.4% YoY
+13.5% QoQ
|
+$597.5M |
$2.0B
-0.3% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
77% |
| Total Deposits ? |
$2.9B
+37.9% YoY
+28.2% QoQ
|
+$558.6M |
$2.3B
-0.5% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
1.05%
+52.6% YoY
-15.8% QoQ
|
-0.34% |
1.39%
+17.0% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
4.21%
+0.1% YoY
-3.1% QoQ
|
+0.34% |
3.87%
+6.2% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
78% |
| Efficiency Ratio ? |
64.03%
-11.7% YoY
+8.3% QoQ
|
+4.30% |
59.73%
-12.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
0.68%
+24.5% YoY
-15.0% QoQ
|
-0.19% |
0.87%
+11.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
88.99%
-16.4% YoY
-11.4% QoQ
|
+3.96% |
85.04%
-0.1% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
24.54%
+4.8% YoY
-7.8% QoQ
|
+3.27% |
21.27%
-1.5% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.53%
+14.2% YoY
-20.7% QoQ
|
-0.14% |
0.67%
+11.7% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
11.83%
+13.7% YoY
+2.5% QoQ
|
-3.01% |
14.84%
-0.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.19%
-3.7% YoY
+69.6% QoQ
|
-0.33% |
0.53%
+2.5% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
30% |
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 |
24.5%
+1.1pp YoY -2.1pp QoQ |
+3.2pp | 21.4% | 26.2% | 22.2% | 70% |
| Brokered Deposits |
4.6%
-5.2pp YoY -3.3pp QoQ |
-4.9pp | 9.5% | 7.5% | 8.5% | 46% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.1%
-1.1pp YoY +0.4pp QoQ |
+1.1pp | 14.0% | 9.7% | 12.5% | 68% |
| CRE |
48.0%
+5.3pp YoY +3.0pp QoQ |
-2.1pp | 50.0% | 48.9% | 41.4% | 44% |
| 1-4 Family |
33.1%
-2.4pp YoY -2.6pp QoQ |
+6.7pp | 26.4% | 31.7% | 31.3% | 72% |
| Consumer |
2.1%
0.0pp YoY -0.4pp QoQ |
-2.6pp | 4.7% | 4.8% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+1.4pp YoY +0.3pp QoQ |
-3.8pp | 15.6% | 20.9% | 19.7% | 20% |
| Leverage Ratio |
10.8%
+1.5pp YoY +0.6pp QoQ |
-0.5pp | 11.3% | 14.0% | 12.6% | 56% |
| Total Capital Ratio |
13.0%
+1.5pp YoY +0.3pp QoQ |
-3.6pp | 16.7% | 22.1% | 20.8% | 22% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
275
+47 (+20.6%) YoY +35 (+14.6%) QoQ |
-39 | 313 | 98 | 482 | 61% |
| Assets per Employee ($) |
$11.9M
+4.3% YoY +6.3% QoQ |
+$1.4M | $10.5M | $7.5M | $8.8M | 77% |
| Branch Count |
10
+1 (+11.1%) YoY +1 (+11.1%) QoQ |
-10 | 20 | 6 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.4% | 13% |
| Nonaccrual |
0.7%
+0.2pp YoY -0.1pp QoQ |
-0.2pp | 0.8% | 0.8% | 1.0% | 61% |
| Allowance Coverage |
1.67x
-19.3% YoY +22.0% QoQ |
-17.04x | 18.71x | 38.10x | 20.23x | 42% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.8%
+3.0pp YoY -2.0pp QoQ |
-1.8pp | 12.6% | 13.6% | 11.6% | 40% |
| Cost of Funds (YTD) |
2.0%
-0.5pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.6% | 1.7% | 55% |
| Net Income ($, YTD) |
$15.2M
+79.8% YoY — QoQ |
-$4.1M | $19.2M | $6.6M | $40.4M | 60% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.