BlastPoint's Banking Scorecard
Bank of Lumber City
Micro
Specialty: Agricultural
GA
FDIC cert 16281
Designations: ✓ Community bank
Lumber City, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Bank of Lumber City has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.74% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.60% below tier
- - Efficiency Ratio 58.17% above tier
- - Loan-to-Deposit Ratio 33.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$25.0M
-14.2% YoY
-1.7% QoQ
|
-$192.5M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$8.9M
-12.0% YoY
+6.1% QoQ
|
-$130.3M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$21.7M
-15.0% YoY
-1.7% QoQ
|
-$162.0M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
-1.51%
-434.1% YoY
-6.5% QoQ
|
-2.60% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
4.90%
+0.0% YoY
+2.1% QoQ
|
+1.05% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
125.90%
+26.9% YoY
+1.1% QoQ
|
+58.17% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.72%
+115.4% QoQ
|
+0.08% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
41.05%
+3.5% YoY
+7.9% QoQ
|
-33.48% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.13%
+9.4% YoY
-0.4% QoQ
|
+17.74% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.26%
+132.6% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.61%
-25.2% YoY
+39.4% QoQ
|
+0.05% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
40.13%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (3)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.51%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
125.90%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
41.05%
(Tier avg: 74.53%, National avg: 78.04%)
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
Non-Interest-Bearing Deposit Share
Current: 40.13% · Tier avg: 22.39%
89
89th pctile
Net Interest Margin
Current: 4.90% · Tier avg: 3.85%
77
77th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.64%
7
7th pctile
Loan-to-Deposit Ratio
Current: 41.05% · Tier avg: 74.53%
3
3th pctile
Total Deposits
Current: $21.7M · Tier avg: $183.7M
3
3th pctile
Total Loans
Current: $8.9M · Tier avg: $139.2M
2
2th pctile
Total Assets
Current: $25.0M · Tier avg: $217.5M
2
2th pctile
Return on Assets
Current: -1.51% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 125.90% · Tier avg: 67.73%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 125.90% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.51% · Tier avg: 1.08%
2
2th pctile
Total Assets
Current: $25.0M · Tier avg: $217.5M
3
3th pctile
Total Loans
Current: $8.9M · Tier avg: $139.2M
3
3th pctile
Total Deposits
Current: $21.7M · Tier avg: $183.7M
7
7th pctile
Loan-to-Deposit Ratio
Current: 41.05% · Tier avg: 74.53%
37
37th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
77
77th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
89
89th pctile
Net Interest Margin
Current: 4.90% · Tier avg: 3.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.13% · Tier avg: 22.39%