BlastPoint's Banking Scorecard
Bank of Dudley
Dudley, GA
8 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 +17.9% year over year ($486.8M on the books).
- Delinquency rate 0.12%.
- Return on assets 0.97%.
- Efficiency ratio 67.46% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.86% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Dudley has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.44% above tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.8% in tier
- - Margin Compression: Bottom 48.5% in tier
- - Cost Spiral: Bottom 55.1% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$537.9M
+17.1% YoY
+2.4% QoQ
|
+$151.3M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
75% |
| Total Loans ? |
$364.4M
+17.6% YoY
+6.4% QoQ
|
+$106.1M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
76% |
| Total Deposits ? |
$486.8M
+17.9% YoY
+2.4% QoQ
|
+$160.1M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
78% |
| Return on Assets ? |
0.97%
-25.1% YoY
-7.0% QoQ
|
-0.35% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
4.42%
-2.6% YoY
+2.5% QoQ
|
+0.44% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
67.46%
+10.4% YoY
+2.4% QoQ
|
+2.98% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
36% |
| Delinquency Rate ? |
0.12%
+108.1% YoY
-5.8% QoQ
|
-0.79% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
74.86%
-0.3% YoY
+3.9% QoQ
|
-3.09% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
21.45%
-4.1% YoY
-0.4% QoQ
|
-0.58% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.08%
+108.9% YoY
-2.1% QoQ
|
-0.58% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
9.62%
-5.2% YoY
-0.4% QoQ
|
-6.29% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.1% in tier |
| Non-Interest Income / Assets ? |
0.23%
-15.8% YoY
+102.1% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
59% |
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 |
21.5%
-0.9pp YoY -0.1pp QoQ |
-0.7pp | 22.1% | 26.2% | 22.2% | 52% |
| 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 |
12.3%
+0.3pp YoY -0.3pp QoQ |
+0.7pp | 11.6% | 9.7% | 12.5% | 65% |
| CRE |
60.6%
+1.5pp YoY +0.5pp QoQ |
+21.0pp | 39.5% | 48.9% | 41.4% | 85% |
| 1-4 Family |
20.3%
-1.3pp YoY -0.4pp QoQ |
-12.3pp | 32.6% | 31.7% | 31.3% | 30% |
| Consumer |
4.2%
-0.9pp YoY -0.1pp QoQ |
+0.1pp | 4.1% | 4.8% | 5.0% | 71% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
9.6%
-0.5pp YoY 0.0pp QoQ |
-2.6pp | 12.2% | 14.0% | 12.6% | 24% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
93
+11 (+13.4%) YoY +3 (+3.3%) QoQ |
+34 | 58 | 98 | 482 | 84% |
| Assets per Employee ($) |
$5.8M
+3.2% YoY -0.9% QoQ |
-$1.7M | $7.5M | $7.5M | $8.8M | 29% |
| Branch Count |
8
+1 (+14.3%) YoY 0 QoQ |
+3 | 4 | 6 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 6% |
| Nonaccrual |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 21% |
| Allowance Coverage |
11.00x
-49.9% YoY +7.9% QoQ |
-13.16x | 24.15x | 38.10x | 20.23x | 83% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 17% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.6%
-3.2pp YoY -0.8pp QoQ |
-1.6pp | 12.2% | 13.6% | 11.6% | 40% |
| Cost of Funds (YTD) |
1.8%
+0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 57% |
| Net Income ($, YTD) |
$2.5M
-13.5% YoY — QoQ |
-$14K | $2.6M | $6.6M | $40.4M | 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 (3)
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.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.