BlastPoint's Banking Scorecard

Bank of Dawson

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

Dawson, GA

2664 banks in the $100M-$1B peer group nationally 99 in 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

+ Profitability Leader: Top 6.3% in tier
+ Revenue Diversifier: Top 31.2% in tier
+ Net Interest Margin 0.99% above tier average
+ Efficiency Ratio 19.35% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 23.1% in tier
- Delinquency Rate 0.15% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$159.9M +1.0% YoY +1.0% QoQ	-$226.2M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$88.9M -10.2% YoY -0.2% QoQ	-$166.8M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	15%
Total Deposits ?	$132.3M -0.5% YoY +0.6% QoQ	-$195.6M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	2.56% +46.9% YoY +56.6% QoQ	+1.29%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 3.9% in tier
Net Interest Margin ?	4.92% +18.4% YoY +11.9% QoQ	+0.99%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 8.4% in tier
Efficiency Ratio ?	45.94% -16.0% YoY -22.4% QoQ	-19.35%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 9.9% in tier
Delinquency Rate ?	1.03% -72.8% YoY -68.4% QoQ	+0.15%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	27%
Loan-to-Deposit Ratio ?	67.20% -9.8% YoY -0.8% QoQ	-9.44%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	72%
Non-Interest-Bearing Deposit Share ?	19.75% -4.7% YoY -3.9% QoQ	-2.27%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	0.69% -72.6% YoY -65.6% QoQ	+0.05%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	30%
Tier 1 Capital Ratio ?	26.97% +12.6% YoY +8.0% QoQ	+11.14%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 5.0% in tier
Non-Interest Income / Assets ?	0.17% +70.0% YoY -63.6% QoQ	-0.11%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	79%

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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 (2)

Profitability Leader

growth

#43 of 666 • Top 6.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.56%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#209 of 666 • Top 31.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.17%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.56%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#172 of 739 • Bottom 23.1% 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: 26.97%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 67.20%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

106

Return on Assets

profitability

Value: 2.56%

Peer Median: 1.27%

#106 of 2664 Top 3.9% in $100M-$1B

134

Tier 1 Capital Ratio

capital

Value: 26.97%

Peer Median: 15.83%

#134 of 2664 Top 5.0% in $100M-$1B

226

Net Interest Margin

profitability

Value: 4.92%

Peer Median: 3.93%

#226 of 2664 Top 8.4% in $100M-$1B

265

Efficiency Ratio

profitability

Value: 45.94%

Peer Median: 65.29%

#265 of 2664 Top 9.9% in $100M-$1B

570

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#570 of 2664 Top 21.4% in $100M-$1B

Top Weaknesses (3 metrics)

2259

Total Loans

size

Value: $88.93M

Peer Median: $255.72M

#2259 of 2664 Bottom 15.2% in $100M-$1B

2238

Total Deposits

size

Value: $132.33M

Peer Median: $327.97M

#2238 of 2664 Bottom 16.0% in $100M-$1B

2206

Total Assets

size

Value: $159.86M

Peer Median: $386.08M

#2206 of 2664 Bottom 17.2% in $100M-$1B