BlastPoint's Banking Scorecard
Apex Banking Company of Georgia
Micro
Specialty: Other
GA
FDIC cert 10074
Designations: ✓ Community bank
Cleveland, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Apex Banking Company of Georgia shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.6M
+32.8% YoY
+10.1% QoQ
|
-$140.9M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$37.0M
+11.1% YoY
+5.0% QoQ
|
-$102.2M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$70.7M
+34.3% YoY
+11.0% QoQ
|
-$113.0M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.47%
+216.1% YoY
+19.7% QoQ
|
-0.62% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
4.80%
+4.8% YoY
-1.7% QoQ
|
+0.94% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
85.29%
-23.8% YoY
-2.2% QoQ
|
+17.56% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.13%
+80.0% YoY
-48.0% QoQ
|
-0.51% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
52.35%
-17.2% YoY
-5.4% QoQ
|
-22.18% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
18.72%
-33.1% YoY
-27.0% QoQ
|
-3.68% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.06%
+50.6% YoY
-50.5% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
72% |
| 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 ? |
0.33%
-29.4% YoY
+25.2% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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
87
87th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.85%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.35% · Tier avg: 74.53%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.72% · Tier avg: 22.39%
18
18th pctile
Total Deposits
Current: $70.7M · Tier avg: $183.7M
17
17th pctile
Return on Assets
Current: 0.47% · Tier avg: 1.08%
15
15th pctile
Total Assets
Current: $76.6M · Tier avg: $217.5M
14
14th pctile
Total Loans
Current: $37.0M · Tier avg: $139.2M
13
13th pctile
Efficiency Ratio
Current: 85.29% · Tier avg: 67.73%
Top Weaknesses
13
13th pctile
Efficiency Ratio
Current: 85.29% · Tier avg: 67.73%
14
14th pctile
Total Loans
Current: $37.0M · Tier avg: $139.2M
15
15th pctile
Total Assets
Current: $76.6M · Tier avg: $217.5M
17
17th pctile
Return on Assets
Current: 0.47% · Tier avg: 1.08%
18
18th pctile
Total Deposits
Current: $70.7M · Tier avg: $183.7M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.72% · Tier avg: 22.39%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.35% · Tier avg: 74.53%
87
87th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.85%