BlastPoint's Banking Scorecard

American Pride Bank

$1B-$10B Specialty: Commercial GA FDIC cert 58584

Designations: ✓ Community bank ✓ Minority Depository Institution

Macon, GA

8 branches across GA · NC · FL

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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in GA.
Deposits +97.2% year over year ($889.9M on the books).
Delinquency rate 0.00%.
Return on assets 0.52%.
Efficiency ratio 76.70% vs a 59.73% peer average.
Loan-to-deposit ratio 80.23% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 12 in GA

View $1B-$10B leaderboard (GA) →

American Pride Bank has 2 strengths but faces 5 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

+ Delinquency Rate 0.86% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 4.3% in tier
- Return on Assets 0.87% below tier average
- Efficiency Ratio 16.97% above tier average
- Non-Interest Income / Assets 0.44% below tier average
- Net Interest Margin 0.57% below tier average

Get updates when American Pride 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 ?	$1.0B +86.8% YoY +27.1% QoQ	-$1.8B	$2.8B -0.6% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	Bottom 2.6% in tier
Total Loans ?	$714.0M +94.4% YoY +26.9% QoQ	-$1.2B	$2.0B -0.3% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	Bottom 8.2% in tier
Total Deposits ?	$889.9M +97.2% YoY +30.5% QoQ	-$1.4B	$2.3B -0.5% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	Bottom 6.2% in tier
Return on Assets ?	0.52% -24.7% YoY -8.3% QoQ	-0.87%	1.39% +17.0% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	Bottom 7.8% in tier
Net Interest Margin ?	3.30% -4.0% YoY -4.5% QoQ	-0.57%	3.87% +6.2% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	26%
Efficiency Ratio ?	76.70% +7.7% YoY +1.8% QoQ	+16.97%	59.73% -12.6% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	Bottom 9.9% in tier
Delinquency Rate ?	0.00% -48.6% YoY -21.2% QoQ	-0.86%	0.87% +11.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	Top 2.9% in tier
Loan-to-Deposit Ratio ?	80.23% -1.4% YoY -2.8% QoQ	-4.80%	85.04% -0.1% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	8.47% -31.7% YoY -20.8% QoQ	-12.81%	21.27% -1.5% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Bottom 8.1% in tier
Nonperforming Asset Ratio ?	0.00% -46.5% YoY -21.3% QoQ	-0.67%	0.67% +11.7% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	Top 2.8% in tier
Tier 1 Capital Ratio ?	14.08% -15.2% YoY +5.5% QoQ	-0.76%	14.84% -0.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.09% +25.7% YoY +41.3% QoQ	-0.44%	0.53% +2.5% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	Bottom 7.8% in tier

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	8.5% -3.9pp YoY -2.2pp QoQ	-12.9pp	21.4%	26.2%	22.2%	8%
Brokered Deposits	2.3% +2.3pp YoY -1.4pp QoQ	-7.2pp	9.5%	7.5%	8.5%	29%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	6.4% +4.5pp YoY +3.4pp QoQ	-7.6pp	14.0%	9.7%	12.5%	26%
CRE	88.1% -3.8pp YoY -4.5pp QoQ	+38.1pp	50.0%	48.9%	41.4%	99%
1-4 Family	6.2% -1.0pp YoY +0.4pp QoQ	-20.2pp	26.4%	31.7%	31.3%	8%
Consumer	0.1% -0.1pp YoY 0.0pp QoQ	-4.7pp	4.7%	4.8%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	20.9%	19.7%	n/a
Leverage Ratio	14.1% -2.5pp YoY +0.7pp QoQ	+2.8pp	11.3%	14.0%	12.6%	90%
Total Capital Ratio	n/a	n/a	16.7%	22.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	109 -7 (-6.0%) YoY -10 (-8.4%) QoQ	-205	313	98	482	10%
Assets per Employee ($)	$9.5M +98.8% YoY +38.8% QoQ	-$1.0M	$10.5M	$7.5M	$8.8M	60%
Branch Count	6 +1 (+20.0%) YoY +1 (+20.0%) QoQ	-14	20	6	18	14%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.8%	0.8%	1.0%	0%
Allowance Coverage	570.23x +57.4% YoY +1.8% QoQ	+551.52x	18.71x	38.10x	20.23x	100%
Net Charge-off Rate (YTD)	0.0%	-0.3pp	0.3%	0.1%	0.2%	27%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	4.1% -1.1pp YoY -0.2pp QoQ	-8.5pp	12.6%	13.6%	11.6%	5%
Cost of Funds (YTD)	3.0% -0.2pp YoY -0.1pp QoQ	+1.0pp	1.9%	1.6%	1.7%	95%
Net Income ($, YTD)	$2.3M +34.8% YoY — QoQ	-$17.0M	$19.2M	$6.6M	$40.4M	4%

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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)

NIB Deposit Bleed

decline

#3 of 46 • Bottom 4.3% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 8.47%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (2 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#26 of 885 Top 2.8% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.87%

#27 of 882 Top 2.9% in $1B-$10B

Top Weaknesses (7 metrics)

863

Total Assets

size

Value: $1.03B

Peer Median: $2.79B

#863 of 885 Bottom 2.6% in $1B-$10B

831

Total Deposits

size

Value: $889.91M

Peer Median: $2.32B

#831 of 885 Bottom 6.2% in $1B-$10B

817

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.53%

#817 of 885 Bottom 7.8% in $1B-$10B

817

Return on Assets

profitability

Value: 0.52%

Peer Median: 1.39%

#817 of 885 Bottom 7.8% in $1B-$10B

814

Non-Interest-Bearing Deposit Share

funding

Value: 8.47%

Peer Median: 21.27%

#814 of 885 Bottom 8.1% in $1B-$10B

813

Total Loans

size

Value: $713.98M

Peer Median: $1.96B

#813 of 885 Bottom 8.2% in $1B-$10B

798

Efficiency Ratio

profitability

Value: 76.70%

Peer Median: 59.73%

#798 of 885 Bottom 9.9% in $1B-$10B