BlastPoint's Banking Scorecard
Georgia First Bank
Soperton, GA
3 branches across GA
Georgia First Bank shows strong momentum with 4 strengths and 16.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.50% above tier average
- + ROA 0.51% above tier average
- + Efficiency Ratio 5.92% below tier average
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$295.7M
+16.2% YoY
+7.5% QoQ
|
-$90.4M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$228.4M
+29.1% YoY
+3.9% QoQ
|
-$27.3M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$265.8M
+15.4% YoY
+7.6% QoQ
|
-$62.2M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
1.78%
+14.1% YoY
-9.1% QoQ
|
+0.51% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
5.43%
+0.5% YoY
-4.3% QoQ
|
+1.50% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 3.5% in tier |
| Efficiency Ratio ? |
59.37%
-4.3% YoY
+3.8% QoQ
|
-5.92% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
0.07%
-92.0% YoY
-88.6% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
85.94%
+11.8% YoY
-3.4% QoQ
|
+9.30% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
19.44%
+7.0% YoY
+14.9% QoQ
|
-2.58% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.06%
-91.1% YoY
-89.0% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
77% |
| Tier 1 Capital Ratio ? |
13.49%
+2.1% YoY
+4.9% QoQ
|
-2.34% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.12%
+15.3% YoY
-72.6% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.