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 1.75% above tier average
- + Non-Interest Income / Assets 0.34% below tier average
- + ROA 0.43% above tier average
- + Efficiency Ratio 13.73% below tier average
- + Delinquency Rate 0.29% 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
|
+$27.6M |
$62.3M
-0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.0% YoY
|
Top 12.7% in tier |
| Total Loans ? |
$54.1M
+3.8% YoY
+0.7% QoQ
|
+$19.8M |
$34.3M
-1.5% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.7% YoY
|
82% |
| Total Deposits ? |
$80.6M
+13.6% YoY
+4.9% QoQ
|
+$28.7M |
$51.8M
-0.6% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.0% YoY
|
Top 8.8% in tier |
| Return on Assets ? |
1.28%
+32.1% YoY
+16.9% QoQ
|
+0.43% |
0.86%
-3.6% YoY
|
1.50%
+0.6% YoY
|
1.24%
+13.1% YoY
|
67% |
| Net Interest Margin ? |
5.62%
-7.2% YoY
-5.3% QoQ
|
+1.75% |
3.87%
+2.7% 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
|
-13.73% |
87.63%
+2.3% YoY
|
62.13%
-1.5% YoY
|
66.84%
-3.8% YoY
|
46% |
| Delinquency Rate ? |
1.07%
-12.7% YoY
-13.9% QoQ
|
-0.29% |
1.36%
+33.7% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
67.10%
-8.6% YoY
-4.0% QoQ
|
+3.00% |
64.11%
-0.9% YoY
|
71.10%
+2.8% YoY
|
76.69%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
31.73%
-12.3% YoY
-5.7% QoQ
|
+7.95% |
23.79%
+0.5% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.1% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.65%
-20.3% YoY
-17.2% QoQ
|
-0.13% |
0.77%
+28.7% YoY
|
0.56%
+24.4% YoY
|
0.66%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
15.46%
-0.1% YoY
-1.2% QoQ
|
-11.32% |
26.77%
+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
|
-0.34% |
0.67%
+1.6% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.0% YoY
|
Top 6.9% in tier |
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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.