BlastPoint's Banking Scorecard
Community Bank of Georgia
Baxley, GA
2 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 +6.9% year over year ($239.6M on the books).
- Delinquency rate 1.07%.
- Return on assets 1.85%.
- Efficiency ratio 43.87% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.09% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank of Georgia has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.61% below tier average
- + ROA 0.53% above tier average
- + Net Interest Margin 0.84% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.15% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$269.5M
+7.6% YoY
+8.3% QoQ
|
-$117.1M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$184.7M
+23.7% YoY
+6.8% QoQ
|
-$73.6M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$239.6M
+6.9% YoY
+9.0% QoQ
|
-$87.1M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
1.85%
+6.2% YoY
+3.2% QoQ
|
+0.53% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
83% |
| Net Interest Margin ? |
4.83%
+4.9% YoY
+0.8% QoQ
|
+0.84% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 11.4% in tier |
| Efficiency Ratio ? |
43.87%
+1.6% YoY
-2.4% QoQ
|
-20.61% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
Top 7.4% in tier |
| Delinquency Rate ? |
1.07%
+127.5% YoY
-62.4% QoQ
|
+0.15% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
77.09%
+15.8% YoY
-1.9% QoQ
|
-0.86% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
15.22%
+5.4% YoY
+4.6% QoQ
|
-6.81% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.73%
+161.8% YoY
-62.9% QoQ
|
+0.06% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
10.99%
+7.6% YoY
-3.1% QoQ
|
-4.92% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.08%
+18.1% YoY
+91.0% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
Bottom 11.8% 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 |
15.2%
+0.8pp YoY +0.7pp QoQ |
-6.9pp | 22.1% | 26.2% | 22.2% | 25% |
| Brokered Deposits |
13.2%
-0.9pp YoY +2.6pp QoQ |
+5.4pp | 7.9% | 7.5% | 8.5% | 83% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.6%
+0.1pp YoY +0.1pp QoQ |
-7.0pp | 11.6% | 9.7% | 12.5% | 17% |
| CRE |
41.7%
-5.8pp YoY -0.7pp QoQ |
+2.2pp | 39.5% | 48.9% | 41.4% | 56% |
| 1-4 Family |
21.9%
+4.7pp YoY +1.2pp QoQ |
-10.8pp | 32.6% | 31.7% | 31.3% | 34% |
| Consumer |
1.1%
+0.1pp YoY +0.2pp QoQ |
-3.0pp | 4.1% | 4.8% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
11.0%
+0.8pp YoY -0.3pp QoQ |
-1.2pp | 12.2% | 14.0% | 12.6% | 50% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
+1 (+4.5%) YoY 0 QoQ |
-36 | 58 | 98 | 482 | 15% |
| Assets per Employee ($) |
$11.7M
+2.9% YoY +8.3% QoQ |
+$4.2M | $7.5M | $7.5M | $8.8M | 92% |
| Branch Count |
2
+1 (+100.0%) YoY 0 QoQ |
-3 | 4 | 6 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
-1.6pp QoQ |
+0.3pp | 0.3% | 0.1% | 0.4% | 85% |
| Nonaccrual |
0.5%
0.0pp YoY -0.2pp QoQ |
-0.5pp | 0.9% | 0.8% | 1.0% | 52% |
| Allowance Coverage |
1.79x
-62.1% YoY +152.8% QoQ |
-22.36x | 24.15x | 38.10x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 77% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.9%
-0.6pp YoY +0.7pp QoQ |
+5.7pp | 12.2% | 13.6% | 11.6% | 81% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 52% |
| Net Income ($, YTD) |
$2.4M
+15.9% YoY — QoQ |
-$188K | $2.6M | $6.6M | $40.4M | 59% |
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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.