BlastPoint's Banking Scorecard
Glennville Bank
Glennville, GA
7 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 +5.6% year over year ($395.5M on the books).
- Delinquency rate 1.11%.
- Return on assets 1.56%.
- Efficiency ratio 54.07% vs a 64.48% peer average.
- Loan-to-deposit ratio 52.01% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Glennville Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.16% above tier average
- + Efficiency Ratio 10.41% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.19% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$444.2M
+6.4% YoY
+0.6% QoQ
|
+$57.7M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$205.7M
-1.0% YoY
-3.6% QoQ
|
-$52.7M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$395.5M
+5.6% YoY
+0.3% QoQ
|
+$68.8M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
1.56%
+3.1% YoY
+3.1% QoQ
|
+0.24% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
4.14%
+0.6% YoY
+0.8% QoQ
|
+0.16% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
54.07%
+0.7% YoY
-1.8% QoQ
|
-10.41% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
1.11%
+38.8% YoY
-40.3% QoQ
|
+0.19% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
52.01%
-6.3% YoY
-4.0% QoQ
|
-25.95% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 9.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.44%
-3.4% YoY
-6.9% QoQ
|
-2.59% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.51%
+29.1% YoY
-42.8% QoQ
|
-0.16% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
21.74%
+8.5% YoY
+6.2% QoQ
|
+5.83% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Top 10.9% in tier |
| Non-Interest Income / Assets ? |
0.28%
+12.2% YoY
+84.3% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
69% |
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 |
19.4%
-0.7pp YoY -1.4pp QoQ |
-2.7pp | 22.1% | 26.2% | 22.2% | 42% |
| 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 |
3.9%
-0.5pp YoY 0.0pp QoQ |
-7.6pp | 11.6% | 9.7% | 12.5% | 14% |
| CRE |
26.9%
-0.6pp YoY +1.0pp QoQ |
-12.6pp | 39.5% | 48.9% | 41.4% | 29% |
| 1-4 Family |
49.0%
+3.2pp YoY +1.0pp QoQ |
+16.4pp | 32.6% | 31.7% | 31.3% | 81% |
| Consumer |
5.9%
-0.1pp YoY +0.2pp QoQ |
+1.8pp | 4.1% | 4.8% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.7%
+1.7pp YoY +1.3pp QoQ |
+2.9pp | 18.8% | 20.9% | 19.7% | 82% |
| Leverage Ratio |
11.0%
+0.1pp YoY 0.0pp QoQ |
-1.2pp | 12.2% | 14.0% | 12.6% | 51% |
| Total Capital Ratio |
23.0%
+1.7pp YoY +1.3pp QoQ |
+3.1pp | 19.9% | 22.1% | 20.8% | 83% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
73
+4 (+5.8%) YoY +3 (+4.3%) QoQ |
+14 | 58 | 98 | 482 | 73% |
| Assets per Employee ($) |
$6.1M
+0.6% YoY -3.6% QoQ |
-$1.4M | $7.5M | $7.5M | $8.8M | 35% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 6 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.1%
+0.3pp YoY +0.3pp QoQ |
+0.2pp | 0.9% | 0.8% | 1.0% | 74% |
| Allowance Coverage |
1.99x
-18.7% YoY +72.8% QoQ |
-22.16x | 24.15x | 38.10x | 20.23x | 47% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 70% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.9%
-0.9pp YoY +0.4pp QoQ |
+3.7pp | 12.2% | 13.6% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 36% |
| Net Income ($, YTD) |
$3.4M
+10.0% YoY — QoQ |
+$834K | $2.6M | $6.6M | $40.4M | 74% |
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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.