BlastPoint's Banking Scorecard
First State Bank of Blakely
Community
Specialty: Agricultural
GA
FDIC cert 15496
Blakely, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
First State Bank of Blakely has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.35% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 13% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$669.2M
+1.2% YoY
+0.2% QoQ
|
-$722.3M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$431.6M
+3.6% YoY
-6.7% QoQ
|
-$543.9M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$528.8M
-0.5% YoY
+1.5% QoQ
|
-$635.8M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.88%
+1.0% YoY
-2.4% QoQ
|
+0.72% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
5.02%
-3.9% YoY
-0.7% QoQ
|
+1.35% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
50.03%
+3.8% YoY
-0.5% QoQ
|
-12.60% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
1.97%
+334.1% YoY
+2.7% QoQ
|
+1.35% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
81.62%
+4.2% YoY
-8.1% QoQ
|
-1.45% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
21.88%
+8.6% YoY
+4.8% QoQ
|
+0.83% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
1.32%
+287.1% YoY
-4.2% QoQ
|
+0.82% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? | 27.14% | +16.89% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.30%
-21.6% YoY
+27.9% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 5%
in Community
Net 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.
Why this stands out
Current:
5.02%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (1)
Liquidity Overhang
risk
#37 of 268 · Bottom 13% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
27.14%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
81.62%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 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
98
98th pctile
Tier 1 Capital Ratio
Current: 27.14% · Tier avg: 10.24%
95
95th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.66%
89
89th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.16%
84
84th pctile
Efficiency Ratio
Current: 50.03% · Tier avg: 62.63%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.62% · Tier avg: 83.06%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.88% · Tier avg: 21.05%
24
24th pctile
Total Assets
Current: $669.2M · Tier avg: $1.4B
22
22th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
19
19th pctile
Total Loans
Current: $431.6M · Tier avg: $975.5M
17
17th pctile
Total Deposits
Current: $528.8M · Tier avg: $1.2B
13
13th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.50%
10
10th pctile
Delinquency Rate
Current: 1.97% · Tier avg: 0.63%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 1.97% · Tier avg: 0.63%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.50%
17
17th pctile
Total Deposits
Current: $528.8M · Tier avg: $1.2B
19
19th pctile
Total Loans
Current: $431.6M · Tier avg: $975.5M
22
22th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
24
24th pctile
Total Assets
Current: $669.2M · Tier avg: $1.4B
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.88% · Tier avg: 21.05%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.62% · Tier avg: 83.06%
84
84th pctile
Efficiency Ratio
Current: 50.03% · Tier avg: 62.63%
89
89th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.16%
95
95th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.66%
98
98th pctile
Tier 1 Capital Ratio
Current: 27.14% · Tier avg: 10.24%