BlastPoint's Banking Scorecard
American Pride Bank
Designations: ✓ Minority Depository Institution
Macon, GA
5 branches across GA
American Pride Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 15.7% in tier
- - ROA 0.70% below tier average
- - Net Interest Margin 0.47% below tier average
- - Efficiency Ratio 10.04% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$810.7M
+65.1% YoY
+4.9% QoQ
|
+$424.6M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
Top 7.7% in tier |
| Total Loans ? |
$562.9M
+70.8% YoY
+10.9% QoQ
|
+$307.1M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
Top 7.5% in tier |
| Total Deposits ? |
$682.1M
+63.0% YoY
+5.6% QoQ
|
+$354.1M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
Top 8.0% in tier |
| Return on Assets ? |
0.57%
-39.2% YoY
-17.9% QoQ
|
-0.70% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
15% |
| Net Interest Margin ? |
3.46%
+6.1% YoY
-4.5% QoQ
|
-0.47% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
75.33%
+5.9% YoY
+23.6% QoQ
|
+10.04% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
0.00%
-45.6% YoY
-88.5% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
Top 12.2% in tier |
| Loan-to-Deposit Ratio ? |
82.52%
+4.8% YoY
+5.1% QoQ
|
+5.88% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
10.69%
-25.1% YoY
+9.7% QoQ
|
-11.33% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.0% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-43.7% YoY
-87.9% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
Top 11.5% in tier |
| Tier 1 Capital Ratio ? |
13.34%
-5.1% YoY
-6.2% QoQ
|
-2.49% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.06%
+73.6% YoY
-53.7% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
28% |
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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.