BlastPoint's Banking Scorecard
Bank of Dudley
Dudley, GA
8 branches across GA
Bank of Dudley has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.38% above tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.6% in tier
- - Margin Compression: Bottom 53.4% in tier
- - Efficiency Ratio 0.61% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$525.5M
+15.5% YoY
+4.6% QoQ
|
+$139.5M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$342.6M
+17.1% YoY
+1.6% QoQ
|
+$86.9M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$475.4M
+15.8% YoY
+4.9% QoQ
|
+$147.4M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
1.05%
-19.3% YoY
-16.3% QoQ
|
-0.22% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
4.31%
-0.6% YoY
-4.9% QoQ
|
+0.38% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
65.90%
+8.0% YoY
+4.8% QoQ
|
+0.61% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
0.13%
+88.2% YoY
-0.7% QoQ
|
-0.75% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
72.06%
+1.1% YoY
-3.1% QoQ
|
-4.57% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
21.54%
-6.4% YoY
+3.8% QoQ
|
-0.48% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.09%
+90.8% YoY
-3.6% QoQ
|
-0.55% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
72% |
| Tier 1 Capital Ratio ? |
9.66%
-3.4% YoY
-0.1% QoQ
|
-6.17% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.0% in tier |
| Non-Interest Income / Assets ? |
0.11%
-19.1% YoY
-76.1% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
60% |
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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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.