BlastPoint's Banking Scorecard

Douglas National Bank

$100M-$1B Specialty: Commercial GA FDIC cert 57230

Douglas, GA

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

Douglas National Bank 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

+ Profitability Leader: Top 10.1% in tier
+ Revenue Diversifier: Top 19.1% in tier
+ Deposit Franchise: Top 39.0% in tier
+ Efficiency Ratio 23.15% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$331.6M +1.5% YoY +2.1% QoQ	-$54.5M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	51%
Total Loans ?	$240.0M +9.3% YoY +1.8% QoQ	-$15.8M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	57%
Total Deposits ?	$301.1M +0.5% YoY +3.1% QoQ	-$26.9M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	55%
Return on Assets ?	3.50% +20.8% YoY +7.8% QoQ	+2.23%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 1.0% in tier
Net Interest Margin ?	5.42% +19.1% YoY +8.9% QoQ	+1.49%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 3.5% in tier
Efficiency Ratio ?	42.13% -1.6% YoY -0.2% QoQ	-23.15%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 5.9% in tier
Delinquency Rate ?	0.29% -41.7% YoY +120.7% QoQ	-0.60%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	57%
Loan-to-Deposit Ratio ?	79.70% +8.8% YoY -1.3% QoQ	+3.06%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	31.24% +5.2% YoY -0.2% QoQ	+9.22%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	85%
Nonperforming Asset Ratio ?	0.21% -37.2% YoY +50.8% QoQ	-0.43%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	14.19% +2.6% YoY -6.5% QoQ	-1.64%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.24% +12.5% YoY -75.6% QoQ	-0.04%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	Top 9.8% in tier

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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 (3)

Profitability Leader

growth

#68 of 666 • Top 10.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.50%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#128 of 666 • Top 19.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.24%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 3.50%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#107 of 272 • Top 39.0% 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: 31.24%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.42%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 3.50%

Peer Median: 1.27%

#28 of 2664 Top 1.0% in $100M-$1B

Net Interest Margin

profitability

Value: 5.42%

Peer Median: 3.93%

#94 of 2664 Top 3.5% in $100M-$1B

157

Efficiency Ratio

profitability

Value: 42.13%

Peer Median: 65.29%

#157 of 2664 Top 5.9% in $100M-$1B

263

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.28%

#263 of 2664 Top 9.8% in $100M-$1B

406

Non-Interest-Bearing Deposit Share

funding

Value: 31.24%

Peer Median: 22.02%

#406 of 2664 Top 15.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available