BlastPoint's Banking Scorecard
Bank of Hancock County
Micro
Specialty: Other
GA
FDIC cert 10057
Designations: ✓ Community bank
Sparta, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Bank of Hancock County has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 48.56% below tier
- + Non-Interest-Bearing Deposit Share 28.18% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 21.50% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.1M
+3.2% YoY
+7.0% QoQ
|
-$131.4M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$18.8M
+5.9% YoY
-2.5% QoQ
|
-$120.4M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$72.3M
+1.7% YoY
+7.8% QoQ
|
-$111.3M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.58%
-0.2% YoY
+57.4% QoQ
|
-0.51% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.48%
-0.3% YoY
+0.0% QoQ
|
-0.37% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
89.23%
-1.0% YoY
-0.8% QoQ
|
+21.50% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
1.00%
+54.3% YoY
+51.8% QoQ
|
+0.36% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
25.97%
+4.2% YoY
-9.5% QoQ
|
-48.56% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
50.58%
+0.7% YoY
+62.7% QoQ
|
+28.18% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.22%
+58.4% YoY
+38.4% QoQ
|
-0.23% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.36%
-5.6% YoY
+25.2% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
25.97%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
50.58%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Efficiency Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
89.23%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Loan-to-Deposit Ratio
Current: 25.97% · Tier avg: 74.53%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 50.58% · Tier avg: 22.39%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
33
33th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.85%
29
29th pctile
Delinquency Rate
Current: 1.00% · Tier avg: 0.64%
21
21th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
18
18th pctile
Total Deposits
Current: $72.3M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $86.1M · Tier avg: $217.5M
10
10th pctile
Efficiency Ratio
Current: 89.23% · Tier avg: 67.73%
6
6th pctile
Total Loans
Current: $18.8M · Tier avg: $139.2M
Top Weaknesses
6
6th pctile
Total Loans
Current: $18.8M · Tier avg: $139.2M
10
10th pctile
Efficiency Ratio
Current: 89.23% · Tier avg: 67.73%
18
18th pctile
Total Assets
Current: $86.1M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $72.3M · Tier avg: $183.7M
21
21th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
29
29th pctile
Delinquency Rate
Current: 1.00% · Tier avg: 0.64%
33
33th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.85%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 50.58% · Tier avg: 22.39%
99
99th pctile
Loan-to-Deposit Ratio
Current: 25.97% · Tier avg: 74.53%