BlastPoint's Banking Scorecard
Northeast Georgia Bank
Lavonia, GA
Northeast Georgia Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 16% in Community
- + Net Interest Margin 1.08% above tier
- + Efficiency Ratio 23.40% below tier
- + Delinquency Rate 0.60% below tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 25% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$651.7M
+1.8% YoY
+1.3% QoQ
|
-$739.8M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$318.9M
+5.8% YoY
-0.7% QoQ
|
-$656.5M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$557.2M
+0.2% YoY
+1.5% QoQ
|
-$607.4M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
2.81%
+10.9% YoY
+4.9% QoQ
|
+1.64% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.75%
+1.9% YoY
-0.4% QoQ
|
+1.08% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
39.23%
-8.7% YoY
-6.4% QoQ
|
-23.40% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.03%
-82.5% YoY
-1.5% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
57.24%
+5.6% YoY
-2.1% QoQ
|
-25.82% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.75%
+5.7% YoY
+0.5% QoQ
|
+3.70% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.01%
-81.9% YoY
-3.4% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Top 7% 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%
+0.9% YoY
+36.6% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (5)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
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.
Delinquency Rate
metricDelinquency Rate is in the top decile (lowest) of tier peers. Past-due loans as a share of the book are materially cleaner than peers - underwriting and portfolio management are working.
Nonperforming Asset Ratio
metricNon-Performing Asset Ratio is in the top decile (lowest) of tier peers. Problem credits are materially cleaner than similarly-sized banks - earnings less exposed to credit-cost shocks.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
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%