BlastPoint's Banking Scorecard
Bank of Hazlehurst
Micro
Specialty: Agricultural
GA
FDIC cert 149
Designations: ✓ Community bank
Hazlehurst, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Bank of Hazlehurst has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.15% above tier
- + Non-Interest-Bearing Deposit Share 31.95% above tier
- + Tier 1 Capital Ratio 22.79% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 33.65% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$143.8M
+7.5% YoY
-0.8% QoQ
|
-$73.7M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$51.9M
+7.7% YoY
+8.4% QoQ
|
-$87.2M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$127.1M
+5.1% YoY
-1.7% QoQ
|
-$56.6M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
2.24%
+7.6% YoY
+0.7% QoQ
|
+1.15% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.76%
-0.3% YoY
-0.1% QoQ
|
+0.90% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
55.31%
-7.1% YoY
-0.6% QoQ
|
-12.42% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
1.41%
+287.4% YoY
+3.0% QoQ
|
+0.77% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
40.88%
+2.4% YoY
+10.3% QoQ
|
-33.65% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
54.35%
+4.6% YoY
-3.7% QoQ
|
+31.95% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.51%
+288.0% YoY
+12.6% QoQ
|
+0.06% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
31.65%
+4.2% YoY
-2.8% QoQ
|
+22.79% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.38%
-19.4% YoY
+34.8% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.24%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
54.35%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
31.65%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
40.88%
(Tier avg: 74.53%, National avg: 78.04%)
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
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 54.35% · Tier avg: 22.39%
97
97th pctile
Tier 1 Capital Ratio
Current: 31.65% · Tier avg: 8.85%
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.08%
86
86th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.85%
80
80th pctile
Efficiency Ratio
Current: 55.31% · Tier avg: 67.73%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
38
38th pctile
Total Deposits
Current: $127.1M · Tier avg: $183.7M
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
36
36th pctile
Total Assets
Current: $143.8M · Tier avg: $217.5M
21
21th pctile
Total Loans
Current: $51.9M · Tier avg: $139.2M
20
20th pctile
Delinquency Rate
Current: 1.41% · Tier avg: 0.64%
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.88% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.88% · Tier avg: 74.53%
20
20th pctile
Delinquency Rate
Current: 1.41% · Tier avg: 0.64%
21
21th pctile
Total Loans
Current: $51.9M · Tier avg: $139.2M
36
36th pctile
Total Assets
Current: $143.8M · Tier avg: $217.5M
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
38
38th pctile
Total Deposits
Current: $127.1M · Tier avg: $183.7M
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
80
80th pctile
Efficiency Ratio
Current: 55.31% · Tier avg: 67.73%
86
86th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.85%
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.08%
97
97th pctile
Tier 1 Capital Ratio
Current: 31.65% · Tier avg: 8.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 54.35% · Tier avg: 22.39%