BlastPoint's Banking Scorecard
Georgia First Bank
Soperton, GA
3 branches across 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 +13.1% year over year ($259.5M on the books).
- Delinquency rate 0.08%.
- Return on assets 1.86%.
- Efficiency ratio 59.85% vs a 64.48% peer average.
- Loan-to-deposit ratio 93.07% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Georgia First Bank shows strong momentum with 4 strengths and 13.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.45% above tier average
- + ROA 0.54% above tier average
- + Efficiency Ratio 4.63% below tier average
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$290.8M
+13.9% YoY
-1.7% QoQ
|
-$95.8M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$241.5M
+20.7% YoY
+5.7% QoQ
|
-$16.9M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$259.5M
+13.1% YoY
-2.4% QoQ
|
-$67.3M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
1.86%
-3.6% YoY
+4.8% QoQ
|
+0.54% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
83% |
| Net Interest Margin ? |
5.43%
-3.7% YoY
+0.1% QoQ
|
+1.45% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 3.4% in tier |
| Efficiency Ratio ? |
59.85%
+3.8% YoY
+0.8% QoQ
|
-4.63% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.08%
-90.9% YoY
+5.5% QoQ
|
-0.84% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
93.07%
+6.7% YoY
+8.3% QoQ
|
+15.12% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
18.26%
+5.4% YoY
-6.1% QoQ
|
-3.78% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.06%
-90.3% YoY
+13.4% QoQ
|
-0.61% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
13.65%
+9.4% YoY
+1.2% QoQ
|
-2.26% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.25%
+14.2% YoY
+104.5% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
63% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
18.3%
+0.9pp YoY -1.2pp QoQ |
-3.9pp | 22.1% | 26.2% | 22.2% | 37% |
| 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 |
13.5%
-2.7pp YoY +0.2pp QoQ |
+2.0pp | 11.6% | 9.7% | 12.5% | 70% |
| CRE | n/a | n/a | 39.5% | 48.9% | 41.4% | n/a |
| 1-4 Family |
40.2%
+9.7pp YoY +6.5pp QoQ |
+7.6pp | 32.6% | 31.7% | 31.3% | 70% |
| Consumer |
6.4%
-1.3pp YoY -0.4pp QoQ |
+2.3pp | 4.1% | 4.8% | 5.0% | 83% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.7%
+1.2pp YoY +0.2pp QoQ |
-5.2pp | 18.8% | 20.9% | 19.7% | 35% |
| Leverage Ratio |
9.5%
+0.3pp YoY -0.2pp QoQ |
-2.7pp | 12.2% | 14.0% | 12.6% | 22% |
| Total Capital Ratio |
14.9%
+1.2pp YoY +0.2pp QoQ |
-5.0pp | 19.9% | 22.1% | 20.8% | 37% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
49
+3 (+6.5%) YoY -1 (-2.0%) QoQ |
-10 | 58 | 98 | 482 | 52% |
| Assets per Employee ($) |
$5.9M
+6.9% YoY +0.3% QoQ |
-$1.6M | $7.5M | $7.5M | $8.8M | 32% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.1% | 0.4% | 20% |
| Nonaccrual |
0.1%
-0.8pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 14% |
| Allowance Coverage |
22.03x
+1006.3% YoY -7.0% QoQ |
-2.12x | 24.15x | 38.10x | 20.23x | 89% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.0%
-2.2pp YoY +0.5pp QoQ |
+6.8pp | 12.2% | 13.6% | 11.6% | 85% |
| Cost of Funds (YTD) |
2.2%
0.0pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.6% | 1.7% | 80% |
| Net Income ($, YTD) |
$2.7M
+12.5% YoY — QoQ |
+$118K | $2.6M | $6.6M | $40.4M | 65% |
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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.