BlastPoint's Banking Scorecard
Pineland Bank
Community
Specialty: Commercial
GA
FDIC cert 15699
Alma, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Pineland Bank shows strong momentum with 1 strength and 6.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 20% in Community
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 ? |
$569.9M
+6.7% YoY
-0.6% QoQ
|
-$821.5M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$398.1M
+6.3% YoY
-3.9% QoQ
|
-$577.4M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$509.0M
+5.7% YoY
-0.8% QoQ
|
-$655.6M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.61%
+18.5% YoY
+3.0% QoQ
|
+0.45% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
5.21%
-0.1% YoY
+0.3% QoQ
|
+1.54% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
56.45%
-7.0% YoY
-2.3% QoQ
|
-6.18% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
1.90%
+111.2% YoY
+96.2% QoQ
|
+1.27% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
78.21%
+0.6% YoY
-3.1% QoQ
|
-4.85% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
32.96%
-2.4% YoY
+1.8% QoQ
|
+11.91% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
1.33%
+110.3% YoY
+89.6% QoQ
|
+0.83% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.44%
-1.7% YoY
+35.2% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#31 of 150 · Top 20% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
32.96%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.21%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
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
96
96th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.66%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.96% · Tier avg: 21.05%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.16%
69
69th pctile
Efficiency Ratio
Current: 56.45% · Tier avg: 62.63%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
34
34th pctile
Loan-to-Deposit Ratio
Current: 78.21% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
14
14th pctile
Total Loans
Current: $398.1M · Tier avg: $975.5M
14
14th pctile
Total Deposits
Current: $509.0M · Tier avg: $1.2B
13
13th pctile
Nonperforming Asset Ratio
Current: 1.33% · Tier avg: 0.50%
11
11th pctile
Delinquency Rate
Current: 1.90% · Tier avg: 0.63%
10
10th pctile
Total Assets
Current: $569.9M · Tier avg: $1.4B
Top Weaknesses
10
10th pctile
Total Assets
Current: $569.9M · Tier avg: $1.4B
11
11th pctile
Delinquency Rate
Current: 1.90% · Tier avg: 0.63%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.33% · Tier avg: 0.50%
14
14th pctile
Total Deposits
Current: $509.0M · Tier avg: $1.2B
14
14th pctile
Total Loans
Current: $398.1M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Loan-to-Deposit Ratio
Current: 78.21% · Tier avg: 83.06%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
69
69th pctile
Efficiency Ratio
Current: 56.45% · Tier avg: 62.63%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.16%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.96% · Tier avg: 21.05%
96
96th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.66%