BlastPoint's Banking Scorecard

Flint Community Bank

$100M-$1B Specialty: Commercial GA FDIC cert 58074

Albany, 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 +10.5% year over year ($310.4M on the books).
Delinquency rate 2.08%.
Return on assets 2.10%.
Efficiency ratio 51.96% vs a 64.48% peer average.
Loan-to-deposit ratio 88.89% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

Flint Community Bank has 3 strengths but faces 1 concern

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

+ ROA 0.78% above tier average
+ Net Interest Margin 0.44% above tier average
+ Efficiency Ratio 12.52% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 16.2% in tier

Get updates when Flint Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$357.1M +7.9% YoY +1.5% QoQ	-$29.5M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$275.9M +1.4% YoY -0.0% QoQ	+$17.6M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	63%
Total Deposits ?	$310.4M +10.5% YoY +2.1% QoQ	-$16.3M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	2.10% +7.2% YoY +4.2% QoQ	+0.78%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	Top 11.2% in tier
Net Interest Margin ?	4.43% +2.4% YoY -0.2% QoQ	+0.44%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	76%
Efficiency Ratio ?	51.96% -6.2% YoY -3.2% QoQ	-12.52%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	79%
Delinquency Rate ?	2.08% +20.3% YoY -0.1% QoQ	+1.16%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	Bottom 12.1% in tier
Loan-to-Deposit Ratio ?	88.89% -8.2% YoY -2.1% QoQ	+10.94%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	29%
Non-Interest-Bearing Deposit Share ?	24.76% -4.7% YoY -3.8% QoQ	+2.73%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	65%
Nonperforming Asset Ratio ?	1.67% +17.5% YoY +2.2% QoQ	+1.00%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	Bottom 10.2% in tier
Tier 1 Capital Ratio ?	12.72% +8.1% YoY +1.8% QoQ	-3.19%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.22% -5.1% YoY +104.6% QoQ	-0.35%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	56%

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	24.8% -1.2pp YoY -1.0pp QoQ	+2.6pp	22.1%	26.2%	22.2%	65%
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	9.8% -1.8pp YoY -0.5pp QoQ	-1.8pp	11.6%	9.7%	12.5%	51%
CRE	40.9% +0.3pp YoY +1.1pp QoQ	+1.3pp	39.5%	48.9%	41.4%	55%
1-4 Family	44.4% +2.5pp YoY -0.4pp QoQ	+11.8pp	32.6%	31.7%	31.3%	76%
Consumer	0.9% -0.2pp YoY -0.1pp QoQ	-3.2pp	4.1%	4.8%	5.0%	26%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	12.7% +1.0pp YoY +0.2pp QoQ	-6.1pp	18.8%	20.9%	19.7%	24%
Leverage Ratio	9.1% +0.3pp YoY -0.3pp QoQ	-3.1pp	12.2%	14.0%	12.6%	13%
Total Capital Ratio	14.0% +1.0pp YoY +0.2pp QoQ	-6.0pp	19.9%	22.1%	20.8%	26%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	36 -2 (-5.3%) YoY -1 (-2.7%) QoQ	-23	58	98	482	36%
Assets per Employee ($)	$9.9M +13.9% YoY +4.3% QoQ	+$2.4M	$7.5M	$7.5M	$8.8M	85%
Branch Count	2 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	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	2.1% +0.3pp YoY 0.0pp QoQ	+1.1pp	0.9%	0.8%	1.0%	88%
Allowance Coverage	0.65x -12.1% YoY -0.2% QoQ	-23.50x	24.15x	38.10x	20.23x	16%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY 0.0pp QoQ	0.0pp	0.1%	0.1%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	23.1% +0.8pp YoY +1.1pp QoQ	+10.9pp	12.2%	13.6%	11.6%	94%
Cost of Funds (YTD)	1.7% -0.4pp YoY +0.1pp QoQ	0.0pp	1.7%	1.6%	1.7%	48%
Net Income ($, YTD)	$3.6M +13.5% YoY — QoQ	+$1.1M	$2.6M	$6.6M	$40.4M	77%

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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 (1)

Credit Risk Growth

risk

#153 of 936 • Bottom 16.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

298

Return on Assets

profitability

Value: 2.10%

Peer Median: 1.32%

#298 of 2643 Top 11.2% in $100M-$1B

550

Efficiency Ratio

profitability

Value: 51.96%

Peer Median: 64.48%

#550 of 2643 Top 20.8% in $100M-$1B

630

Net Interest Margin

profitability

Value: 4.43%

Peer Median: 3.99%

#630 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (2 metrics)

2375

Nonperforming Asset Ratio

credit_quality

Value: 1.67%

Peer Median: 0.67%

#2375 of 2643 Bottom 10.2% in $100M-$1B

2315

Delinquency Rate

credit_quality

Value: 2.08%

Peer Median: 0.92%

#2315 of 2633 Bottom 12.1% in $100M-$1B