BlastPoint's Banking Scorecard
Bank of Alapaha
Micro
Specialty: Other
GA
FDIC cert 155
Designations: ✓ Community bank
Alapaha, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Bank of Alapaha 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 ? |
$250.1M
+5.1% YoY
+2.6% QoQ
|
+$32.6M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$119.4M
+3.2% YoY
-2.8% QoQ
|
-$19.8M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$229.6M
+4.1% YoY
+2.9% QoQ
|
+$46.0M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
0.73%
+42.6% YoY
-4.8% QoQ
|
-0.35% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.46%
+8.5% YoY
-0.9% QoQ
|
-0.40% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
74.67%
-5.1% YoY
-0.3% QoQ
|
+6.95% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.38%
+145.6% YoY
+518.6% QoQ
|
-0.26% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
52.00%
-0.9% YoY
-5.5% QoQ
|
-22.52% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.05%
+5.6% YoY
-4.5% QoQ
|
+4.66% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.18%
+111.4% YoY
-8.2% QoQ
|
-0.27% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
19.43%
+6.1% YoY
-0.2% QoQ
|
+10.58% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
0.33%
+24.1% YoY
+29.2% 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
85
85th pctile
Tier 1 Capital Ratio
Current: 19.43% · Tier avg: 8.85%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 27.05% · Tier avg: 22.39%
67
67th pctile
Total Deposits
Current: $229.6M · Tier avg: $183.7M
62
62th pctile
Total Assets
Current: $250.1M · Tier avg: $217.5M
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
51
51th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.64%
50
50th pctile
Total Loans
Current: $119.4M · Tier avg: $139.2M
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
29
29th pctile
Efficiency Ratio
Current: 74.67% · Tier avg: 67.73%
15
15th pctile
Loan-to-Deposit Ratio
Current: 52.00% · Tier avg: 74.53%
Top Weaknesses
15
15th pctile
Loan-to-Deposit Ratio
Current: 52.00% · Tier avg: 74.53%
29
29th pctile
Efficiency Ratio
Current: 74.67% · Tier avg: 67.73%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
50
50th pctile
Total Loans
Current: $119.4M · Tier avg: $139.2M
51
51th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.64%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
62
62th pctile
Total Assets
Current: $250.1M · Tier avg: $217.5M
67
67th pctile
Total Deposits
Current: $229.6M · Tier avg: $183.7M
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 27.05% · Tier avg: 22.39%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.43% · Tier avg: 8.85%