BlastPoint's Banking Scorecard

Community Bank of Georgia

$100M-$1B Specialty: Agricultural GA FDIC cert 57579

Baxley, GA

2 branches across GA

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

Community Bank of Georgia 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

+ Efficiency Ratio 20.35% below tier average
+ ROA 0.53% above tier average
+ Net Interest Margin 0.86% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.95% above tier average
- Nonperforming Asset Ratio 1.33% above tier average

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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 ?	$248.7M +8.3% YoY +0.4% QoQ	-$137.4M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	37%
Total Loans ?	$172.9M +22.2% YoY +6.4% QoQ	-$82.8M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	42%
Total Deposits ?	$219.9M +7.3% YoY +0.3% QoQ	-$108.0M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	1.80% +7.2% YoY +1.5% QoQ	+0.53%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	4.79% +5.0% YoY +2.5% QoQ	+0.86%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 11.3% in tier
Efficiency Ratio ?	44.93% +0.5% YoY +3.5% QoQ	-20.35%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 8.9% in tier
Delinquency Rate ?	2.84% +518.9% YoY +109.6% QoQ	+1.95%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	Bottom 6.6% in tier
Loan-to-Deposit Ratio ?	78.61% +13.9% YoY +6.1% QoQ	+1.98%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	14.55% -3.7% YoY -9.0% QoQ	-7.47%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	1.97% +526.6% YoY +122.2% QoQ	+1.33%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	Bottom 7.1% in tier
Tier 1 Capital Ratio ?	11.34% +7.8% YoY +5.7% QoQ	-4.49%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.04% +16.9% YoY -70.9% QoQ	-0.24%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	Bottom 13.9% 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 (0)

No matched strength signatures this quarter

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 (3 metrics)

239

Efficiency Ratio

profitability

Value: 44.93%

Peer Median: 65.29%

#239 of 2664 Top 8.9% in $100M-$1B

301

Net Interest Margin

profitability

Value: 4.79%

Peer Median: 3.93%

#301 of 2664 Top 11.3% in $100M-$1B

494

Return on Assets

profitability

Value: 1.80%

Peer Median: 1.27%

#494 of 2664 Top 18.5% in $100M-$1B

Top Weaknesses (4 metrics)

2481

Delinquency Rate

credit_quality

Value: 2.84%

Peer Median: 0.89%

#2481 of 2654 Bottom 6.6% in $100M-$1B

2477

Nonperforming Asset Ratio

credit_quality

Value: 1.97%

Peer Median: 0.64%

#2477 of 2664 Bottom 7.1% in $100M-$1B

2294

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2294 of 2664 Bottom 13.9% in $100M-$1B

2062

Non-Interest-Bearing Deposit Share

funding

Value: 14.55%

Peer Median: 22.02%

#2062 of 2664 Bottom 22.6% in $100M-$1B