BlastPoint's Banking Scorecard
First Bank of Pike
Designations: ✓ Community bank
Zebulon, GA
3 branches across GA
First Bank of Pike shows strong momentum with 5 strengths and 13.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.76% above tier average
- + Non-Interest Income / Assets 0.33% below tier average
- + ROA 0.45% above tier average
- + Efficiency Ratio 14.45% below tier average
- + Delinquency Rate 0.30% 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 ? |
$89.9M
+13.7% YoY
+4.7% QoQ
|
+$27.7M |
$62.2M
-0.6% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
Top 12.6% in tier |
| Total Loans ? |
$54.1M
+3.8% YoY
+0.7% QoQ
|
+$19.8M |
$34.2M
-1.4% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$80.6M
+13.6% YoY
+4.9% QoQ
|
+$28.8M |
$51.7M
-0.7% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
Top 8.7% in tier |
| Return on Assets ? |
1.28%
+32.1% YoY
+16.9% QoQ
|
+0.45% |
0.84%
-2.3% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
67% |
| Net Interest Margin ? |
5.62%
-7.2% YoY
-5.3% QoQ
|
+1.76% |
3.86%
+2.8% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 3.7% in tier |
| Efficiency Ratio ? |
73.90%
-8.0% YoY
-4.5% QoQ
|
-14.45% |
88.34%
+0.3% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
47% |
| Delinquency Rate ? |
1.07%
-12.7% YoY
-13.9% QoQ
|
-0.30% |
1.37%
+33.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
67.10%
-8.6% YoY
-4.0% QoQ
|
+2.89% |
64.22%
-0.7% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
31.73%
-12.3% YoY
-5.7% QoQ
|
+8.02% |
23.71%
+0.3% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.65%
-20.3% YoY
-17.2% QoQ
|
-0.14% |
0.79%
+28.2% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
15.46%
-0.1% YoY
-1.2% QoQ
|
-11.23% |
26.68%
+2.0% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.33%
+16.0% YoY
-72.5% QoQ
|
-0.33% |
0.67%
+1.9% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
Top 6.8% in tier |
Get Full Access to First Bank of Pike
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.