BlastPoint's Banking Scorecard
Durden Banking Company, Incorporated
Designations: ✓ Community bank
Twin City, GA
Durden Banking Company, Incorporated demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.01% above tier
- + Net Interest Margin 1.99% above tier
- + Efficiency Ratio 19.51% below tier
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 ? |
$283.8M
+0.4% YoY
-3.2% QoQ
|
+$66.3M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$230.5M
+22.1% YoY
+5.4% QoQ
|
+$91.4M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$237.9M
-2.1% YoY
-4.2% QoQ
|
+$54.2M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
3.10%
+5.8% YoY
-2.0% QoQ
|
+2.01% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.85%
+7.0% YoY
+2.0% QoQ
|
+1.99% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
48.21%
+0.8% YoY
-0.6% QoQ
|
-19.51% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.13%
-30.0% YoY
+25.3% QoQ
|
-0.51% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
96.90%
+24.8% YoY
+10.0% QoQ
|
+22.38% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.84%
+6.9% YoY
+1.3% QoQ
|
+7.44% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.10%
-30.0% YoY
+36.5% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
21.84%
-5.6% YoY
-2.8% QoQ
|
+12.99% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.72%
+3.9% YoY
+24.8% QoQ
|
+0.16% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (3)
Return on Assets
metricReturn on Assets is in the top decile of tier peers. Profitability per dollar of assets is materially outpacing similarly-sized banks - the engine of compounding book value.
Net Interest Margin
metricNet Interest Margin is in the top decile of tier peers. The spread between loan yields and funding costs is well above peers - a structural earnings advantage if it persists.
Efficiency Ratio
metricEfficiency Ratio is in the top decile (lowest costs) of tier peers. Operating costs as a share of revenue are well below peers - operating leverage is a real advantage here.
Concerns (0)
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%