BlastPoint's Banking Scorecard
Douglas National Bank
Douglas, 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 -2.3% year over year ($294.7M on the books).
- Delinquency rate 0.10%.
- Return on assets 3.51%.
- Efficiency ratio 41.71% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.75% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Douglas National Bank has 5 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 12.9% in tier
- + Revenue Diversifier: Top 17.2% in tier
- + Deposit Franchise: Top 49.6% in tier
- + Efficiency Ratio 22.77% below tier average
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.3% in tier
- - Deposit Outflow: Bottom 35.9% in tier
- - Credit Risk Growth: Bottom 46.6% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$326.9M
-1.1% YoY
-1.4% QoQ
|
-$59.6M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$249.7M
+11.4% YoY
+4.1% QoQ
|
-$8.6M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
59% |
| Total Deposits ? |
$294.7M
-2.3% YoY
-2.1% QoQ
|
-$32.1M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
3.51%
+13.5% YoY
+0.3% QoQ
|
+2.19% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Top 0.9% in tier |
| Net Interest Margin ? |
5.35%
+12.3% YoY
-1.3% QoQ
|
+1.36% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 4.1% in tier |
| Efficiency Ratio ? |
41.71%
+0.6% YoY
-1.0% QoQ
|
-22.77% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
Top 5.5% in tier |
| Delinquency Rate ? |
0.10%
+37.2% YoY
-64.3% QoQ
|
-0.81% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
84.75%
+14.1% YoY
+6.3% QoQ
|
+6.80% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
29.79%
-2.3% YoY
-4.6% QoQ
|
+7.76% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.08%
+54.7% YoY
-62.3% QoQ
|
-0.59% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
14.53%
+0.6% YoY
+2.4% QoQ
|
-1.38% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.50%
+19.0% YoY
+109.7% QoQ
|
-0.06% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
Top 9.5% in tier |
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 |
29.8%
-0.7pp YoY -1.4pp QoQ |
+7.6pp | 22.1% | 26.2% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.3%
-2.8pp YoY +0.3pp QoQ |
+0.8pp | 11.6% | 9.7% | 12.5% | 65% |
| CRE |
32.0%
+2.0pp YoY +1.7pp QoQ |
-7.5pp | 39.5% | 48.9% | 41.4% | 38% |
| 1-4 Family |
42.8%
+1.9pp YoY -1.5pp QoQ |
+10.1pp | 32.6% | 31.7% | 31.3% | 74% |
| Consumer |
3.5%
-0.6pp YoY -0.3pp QoQ |
-0.6pp | 4.1% | 4.8% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.5%
+0.1pp YoY +0.3pp QoQ |
-4.3pp | 18.8% | 20.9% | 19.7% | 44% |
| Leverage Ratio |
10.3%
+0.6pp YoY +0.4pp QoQ |
-1.8pp | 12.2% | 14.0% | 12.6% | 38% |
| Total Capital Ratio |
15.6%
+0.1pp YoY +0.3pp QoQ |
-4.3pp | 19.9% | 22.1% | 20.8% | 44% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
+1 (+3.0%) YoY -1 (-2.9%) QoQ |
-25 | 58 | 98 | 482 | 33% |
| Assets per Employee ($) |
$9.6M
-4.0% YoY +1.5% QoQ |
+$2.1M | $7.5M | $7.5M | $8.8M | 84% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY -0.2pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 19% |
| Allowance Coverage |
9.72x
-30.4% YoY +173.6% QoQ |
-14.43x | 24.15x | 38.10x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
36.6%
-1.5pp YoY -0.2pp QoQ |
+24.4pp | 12.2% | 13.6% | 11.6% | 99% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.6% | 1.7% | 27% |
| Net Income ($, YTD) |
$5.8M
+10.3% YoY — QoQ |
+$3.2M | $2.6M | $6.6M | $40.4M | 91% |
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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 (3)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.