BlastPoint's Banking Scorecard
First National Bank of Decatur County
Bainbridge, GA
6 branches across GA · FL
First National Bank of Decatur County has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 53.5% in tier
- - Return on Assets 0.95% below tier average
- - Efficiency Ratio 21.23% above tier average
- - Net Interest Margin 0.42% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$349.2M
+9.7% YoY
-5.9% QoQ
|
-$36.9M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$255.7M
+12.7% YoY
+3.5% QoQ
|
-$42K |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$323.2M
+10.2% YoY
-6.4% QoQ
|
-$4.8M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
0.32%
+89.1% QoQ
|
-0.95% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.6% in tier |
| Net Interest Margin ? |
3.51%
+12.3% YoY
+4.6% QoQ
|
-0.42% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
86.52%
-13.2% YoY
-7.1% QoQ
|
+21.23% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 9.1% in tier |
| Delinquency Rate ? |
0.43%
-11.5% YoY
-3.4% QoQ
|
-0.46% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
79.11%
+2.3% YoY
+10.5% QoQ
|
+2.48% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
15.78%
-16.7% YoY
-4.2% QoQ
|
-6.24% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.50%
+43.4% YoY
+19.8% QoQ
|
-0.14% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
9.91%
-7.4% YoY
+1.7% QoQ
|
-5.92% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.9% in tier |
| Non-Interest Income / Assets ? |
0.08%
-2.1% YoY
-76.2% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
38% |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.