BlastPoint's Banking Scorecard
Commercial Banking Company
Micro
Specialty: Commercial
GA
FDIC cert 16246
Designations: ✓ Community bank
Valdosta, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Commercial Banking Company shows strong momentum with 2 strengths and 8.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.30% above tier
- + Non-Interest Income / Assets 0.36% above 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 ? |
$372.7M
+8.2% YoY
-0.3% QoQ
|
+$155.2M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$285.4M
+21.5% YoY
+5.2% QoQ
|
+$146.2M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$327.9M
+6.3% YoY
-2.1% QoQ
|
+$144.3M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.77%
+8.3% YoY
-0.7% QoQ
|
+0.69% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
5.15%
+3.0% YoY
+1.9% QoQ
|
+1.30% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
58.76%
-4.1% YoY
+2.3% QoQ
|
-8.97% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.06%
+54.2% YoY
-50.4% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
87.02%
+14.3% YoY
+7.5% QoQ
|
+12.50% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
35.12%
-11.9% YoY
-9.9% QoQ
|
+12.72% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.10%
+253.2% YoY
+6.8% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
14.81%
-10.4% YoY
+0.7% QoQ
|
+5.95% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.92%
+28.3% YoY
+42.6% QoQ
|
+0.36% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.15%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.92%
(Tier avg: 0.56%, National avg: 0.65%)
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
93
93th pctile
Net Interest Margin
Current: 5.15% · Tier avg: 3.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.56%
90
90th pctile
Total Loans
Current: $285.4M · Tier avg: $139.2M
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.12% · Tier avg: 22.39%
86
86th pctile
Total Deposits
Current: $327.9M · Tier avg: $183.7M
84
84th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.08%
84
84th pctile
Total Assets
Current: $372.7M · Tier avg: $217.5M
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.81% · Tier avg: 8.85%
71
71th pctile
Efficiency Ratio
Current: 58.76% · Tier avg: 67.73%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
29
29th pctile
Loan-to-Deposit Ratio
Current: 87.02% · Tier avg: 74.53%
Top Weaknesses
29
29th pctile
Loan-to-Deposit Ratio
Current: 87.02% · Tier avg: 74.53%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
71
71th pctile
Efficiency Ratio
Current: 58.76% · Tier avg: 67.73%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.81% · Tier avg: 8.85%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
84
84th pctile
Total Assets
Current: $372.7M · Tier avg: $217.5M
84
84th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.08%
86
86th pctile
Total Deposits
Current: $327.9M · Tier avg: $183.7M
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.12% · Tier avg: 22.39%
90
90th pctile
Total Loans
Current: $285.4M · Tier avg: $139.2M
91
91th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.56%
93
93th pctile
Net Interest Margin
Current: 5.15% · Tier avg: 3.85%