BlastPoint's Banking Scorecard
Vallant Bank
Community
Specialty: Commercial
GA
FDIC cert 14065
Elberton, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Vallant Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19% in Community
- - Credit Risk Growth: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+3.4% YoY
+1.6% QoQ
|
+$875.9M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$1.7B
+8.6% YoY
+1.8% QoQ
|
+$700.4M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$2.0B
+1.9% YoY
+1.0% QoQ
|
+$851.0M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
1.29%
+6.2% YoY
+5.0% QoQ
|
+0.13% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
4.29%
+11.0% YoY
+1.0% QoQ
|
+0.63% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
65.95%
+2.1% YoY
-0.3% QoQ
|
+3.32% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.17%
+116.0% YoY
+202.8% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
83.14%
+6.6% YoY
+0.8% QoQ
|
+0.08% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
32.07%
+6.9% YoY
+0.3% QoQ
|
+11.02% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.21%
+186.4% YoY
+418.6% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
11.63%
-0.5% YoY
+0.3% QoQ
|
+1.38% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
1.02%
-1.8% YoY
+36.6% QoQ
|
+0.28% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Quality Pressure
risk
#157 of 808 · Bottom 19% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.17%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#245 of 642 · Bottom 38% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.07% · Tier avg: 21.05%
86
86th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.74%
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
83
83th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
81
81th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.66%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
63
63th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
45
45th pctile
Loan-to-Deposit Ratio
Current: 83.14% · Tier avg: 83.06%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.63% · Tier avg: 10.24%
38
38th pctile
Efficiency Ratio
Current: 65.95% · Tier avg: 62.63%
Top Weaknesses
38
38th pctile
Efficiency Ratio
Current: 65.95% · Tier avg: 62.63%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.63% · Tier avg: 10.24%
45
45th pctile
Loan-to-Deposit Ratio
Current: 83.14% · Tier avg: 83.06%
63
63th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
81
81th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.66%
83
83th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
86
86th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.74%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.07% · Tier avg: 21.05%