BlastPoint's Banking Scorecard

Bank of Dawson

$100M-$1B Specialty: Agricultural GA FDIC cert 876

Dawson, 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 -4.6% year over year ($132.0M on the books).
Delinquency rate 0.23%.
Return on assets 2.22%.
Efficiency ratio 50.04% vs a 64.48% peer average.
Loan-to-deposit ratio 75.64% 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) →

Bank of Dawson has 4 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

+ Return on Assets 0.90% above tier average
+ Net Interest Margin 0.69% above tier average
+ Efficiency Ratio 14.44% below tier average
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 14.2% in tier
- Liquidity Overhang: Bottom 20.3% in tier

Get updates when Bank of Dawson releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$159.9M -2.9% YoY +0.0% QoQ	-$226.7M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	17%
Total Loans ?	$99.8M +0.4% YoY +12.3% QoQ	-$158.5M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	19%
Total Deposits ?	$132.0M -4.6% YoY -0.3% QoQ	-$194.8M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	16%
Return on Assets ?	2.22% +2.5% YoY -13.3% QoQ	+0.90%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	Top 8.4% in tier
Net Interest Margin ?	4.68% +4.8% YoY -5.0% QoQ	+0.69%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Top 14.9% in tier
Efficiency Ratio ?	50.04% +1.9% YoY +8.9% QoQ	-14.44%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	0.23% -93.1% YoY -78.1% QoQ	-0.69%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	64%
Loan-to-Deposit Ratio ?	75.64% +5.2% YoY +12.6% QoQ	-2.32%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	58%
Non-Interest-Bearing Deposit Share ?	21.08% -5.8% YoY +6.7% QoQ	-0.95%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	50%
Nonperforming Asset Ratio ?	0.14% -93.3% YoY -79.5% QoQ	-0.53%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	66%
Tier 1 Capital Ratio ?	25.77% +5.5% YoY -4.4% QoQ	+9.87%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	Top 6.3% in tier
Non-Interest Income / Assets ?	0.31% +18.9% YoY +83.9% QoQ	-0.26%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	73%

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	21.1% -1.3pp YoY +1.3pp QoQ	-1.1pp	22.1%	26.2%	22.2%	50%
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	21.7% -2.7pp YoY -4.7pp QoQ	+10.2pp	11.6%	9.7%	12.5%	90%
CRE	n/a	n/a	39.5%	48.9%	41.4%	n/a
1-4 Family	19.6% -4.2pp YoY -1.9pp QoQ	-13.0pp	32.6%	31.7%	31.3%	29%
Consumer	4.5% +0.3pp YoY -0.4pp QoQ	+0.4pp	4.1%	4.8%	5.0%	74%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	25.8% +1.3pp YoY -1.2pp QoQ	+6.9pp	18.8%	20.9%	19.7%	90%
Leverage Ratio	18.2% +0.2pp YoY 0.0pp QoQ	+6.0pp	12.2%	14.0%	12.6%	95%
Total Capital Ratio	27.0% +1.3pp YoY -1.2pp QoQ	+7.1pp	19.9%	22.1%	20.8%	90%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	21 +1 (+5.0%) YoY 0 QoQ	-38	58	98	482	12%
Assets per Employee ($)	$7.6M -7.5% YoY 0.0% QoQ	+$97K	$7.5M	$7.5M	$8.8M	63%
Branch Count	1 0 YoY 0 QoQ	-4	4	6	18	0%

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	0.2% -3.1pp YoY -0.8pp QoQ	-0.7pp	0.9%	0.8%	1.0%	32%
Allowance Coverage	7.31x +1472.0% YoY +316.0% QoQ	-16.85x	24.15x	38.10x	20.23x	77%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	72%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	13.8% -1.1pp YoY -2.3pp QoQ	+1.6pp	12.2%	13.6%	11.6%	61%
Cost of Funds (YTD)	1.9% -0.4pp YoY -0.1pp QoQ	+0.2pp	1.7%	1.6%	1.7%	64%
Net Income ($, YTD)	$1.8M +1.6% YoY — QoQ	-$787K	$2.6M	$6.6M	$40.4M	47%

Get Full Access to Bank of Dawson

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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 (2)

Deposit Outflow

decline

#77 of 535 • Bottom 14.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

Liquidity Overhang

risk

#152 of 742 • Bottom 20.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 25.77%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 75.64%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

168

Tier 1 Capital Ratio

capital

Value: 25.77%

Peer Median: 15.91%

#168 of 2643 Top 6.3% in $100M-$1B

224

Return on Assets

profitability

Value: 2.22%

Peer Median: 1.32%

#224 of 2643 Top 8.4% in $100M-$1B

395

Net Interest Margin

profitability

Value: 4.68%

Peer Median: 3.99%

#395 of 2643 Top 14.9% in $100M-$1B

450

Efficiency Ratio

profitability

Value: 50.04%

Peer Median: 64.48%

#450 of 2643 Top 17.0% in $100M-$1B

Top Weaknesses (3 metrics)

2221

Total Deposits

size

Value: $131.98M

Peer Median: $326.73M

#2221 of 2643 Bottom 16.0% in $100M-$1B

2195

Total Assets

size

Value: $159.91M

Peer Median: $386.57M

#2195 of 2643 Bottom 17.0% in $100M-$1B

2144

Total Loans

size

Value: $99.82M

Peer Median: $258.35M

#2144 of 2643 Bottom 18.9% in $100M-$1B