BlastPoint's Banking Scorecard
First Bank of Pike
Designations: ✓ Community bank
Zebulon, 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 536 banks in the under $100M peer group nationwide — 1 of 13 in GA.
- Deposits +3.7% year over year ($77.8M on the books).
- Delinquency rate 0.80%.
- Return on assets 1.30%.
- Efficiency ratio 73.60% vs a 119.40% peer average.
- Loan-to-deposit ratio 69.21% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Bank of Pike demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.75% above tier average
- + Non-Interest Income / Assets 0.72% below tier average
- + ROA 0.30% above tier average
- + Efficiency Ratio 45.80% below tier average
- + Delinquency Rate 0.68% 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 ? |
$87.5M
+4.6% YoY
-2.6% QoQ
|
+$25.1M |
$62.4M
-0.0% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
83% |
| Total Loans ? |
$53.9M
+2.2% YoY
-0.4% QoQ
|
+$19.0M |
$34.9M
-0.6% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$77.8M
+3.7% YoY
-3.4% QoQ
|
+$26.2M |
$51.6M
-0.2% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
Top 11.6% in tier |
| Return on Assets ? |
1.30%
+11.4% YoY
+1.2% QoQ
|
+0.30% |
1.00%
+3.5% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
5.67%
-5.9% YoY
+0.8% QoQ
|
+1.75% |
3.91%
+2.3% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 3.7% in tier |
| Efficiency Ratio ? |
73.60%
-3.2% YoY
-0.4% QoQ
|
-45.80% |
119.40%
+49.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
0.80%
-34.2% YoY
-25.6% QoQ
|
-0.68% |
1.48%
+31.8% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
69.21%
-1.5% YoY
+3.1% QoQ
|
-5.00% |
74.21%
+12.6% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
34.60%
+2.6% YoY
+9.0% QoQ
|
+11.11% |
23.49%
+0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.49%
-35.7% YoY
-23.9% QoQ
|
-0.35% |
0.84%
+23.0% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
17.09%
+8.0% YoY
+10.6% QoQ
|
-10.04% |
27.13%
+3.0% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.67%
+9.1% YoY
+100.6% QoQ
|
-0.72% |
1.38%
+6.3% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
Top 6.5% in tier |
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 |
34.6%
+0.9pp YoY +2.9pp QoQ |
+10.0pp | 24.6% | 26.2% | 22.2% | 83% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
7.4%
-0.2pp YoY +0.2pp QoQ |
-6.0pp | 13.4% | 9.7% | 12.5% | 36% |
| CRE |
37.6%
+0.4pp YoY +0.1pp QoQ |
+12.3pp | 25.2% | 48.9% | 41.4% | 80% |
| 1-4 Family |
43.4%
+1.0pp YoY +0.8pp QoQ |
+8.4pp | 35.0% | 31.7% | 31.3% | 66% |
| Consumer |
12.4%
-0.6pp YoY -0.8pp QoQ |
+4.7pp | 7.7% | 4.8% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.6%
+1.3pp YoY +1.6pp QoQ |
-22.1pp | 38.7% | 20.9% | 19.7% | 32% |
| Leverage Ratio |
9.9%
0.0pp YoY +0.7pp QoQ |
-7.8pp | 17.7% | 14.0% | 12.6% | 17% |
| Total Capital Ratio |
18.3%
+1.3pp YoY +1.6pp QoQ |
-21.3pp | 39.7% | 22.1% | 20.8% | 35% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
-3 (-12.0%) YoY -1 (-4.3%) QoQ |
+10 | 12 | 98 | 482 | 92% |
| Assets per Employee ($) |
$4.0M
+18.9% YoY +1.8% QoQ |
-$2.2M | $6.2M | $7.5M | $8.8M | 20% |
| Branch Count |
3
-1 (-25.0%) YoY 0 QoQ |
+1 | 1 | 6 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.8%
-0.4pp YoY -0.3pp QoQ |
-0.9pp | 1.7% | 0.8% | 1.0% | 52% |
| Allowance Coverage |
2.07x
+68.5% YoY +34.3% QoQ |
-4.34x | 6.41x | 38.10x | 20.23x | 62% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 70% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+1.1pp YoY -0.1pp QoQ |
+7.5pp | 6.4% | 13.6% | 11.6% | 81% |
| Cost of Funds (YTD) |
1.2%
+0.1pp YoY -0.1pp QoQ |
-0.2pp | 1.4% | 1.6% | 1.7% | 38% |
| Net Income ($, YTD) |
$570,000
+23.9% YoY — QoQ |
+$252K | $317,817 | $6.6M | $40.4M | 81% |
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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.