BlastPoint's Banking Scorecard
First National Bank of Griffin
Micro
Specialty: Commercial
GA
FDIC cert 169
Designations: ✓ Community bank
Griffin, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
First National Bank of Griffin demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.34% 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 ? |
$365.9M
+1.5% YoY
-0.6% QoQ
|
+$148.4M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$177.8M
+23.5% YoY
+5.4% QoQ
|
+$38.6M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$317.4M
+0.0% YoY
-1.5% QoQ
|
+$133.7M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.64%
+19.7% YoY
-2.4% QoQ
|
+0.56% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
4.64%
+2.5% YoY
+1.1% QoQ
|
+0.79% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
57.05%
-7.6% YoY
+1.0% QoQ
|
-10.67% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.12%
-34.3% YoY
-8.5% QoQ
|
-0.52% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
56.02%
+23.5% YoY
+7.1% QoQ
|
-18.50% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
35.66%
-0.2% YoY
-1.7% QoQ
|
+13.27% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-20.1% YoY
-3.0% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
17.33%
-0.3% YoY
-1.0% QoQ
|
+8.48% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.91%
+33.6% YoY
+24.6% QoQ
|
+0.34% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 10%
in Micro
Why this stands out
Current:
0.91%
(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
90
90th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.66% · Tier avg: 22.39%
84
84th pctile
Total Deposits
Current: $317.4M · Tier avg: $183.7M
83
83th pctile
Total Assets
Current: $365.9M · Tier avg: $217.5M
83
83th pctile
Net Interest Margin
Current: 4.64% · Tier avg: 3.85%
81
81th pctile
Loan-to-Deposit Ratio
Current: 56.02% · Tier avg: 74.53%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.08%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.33% · Tier avg: 8.85%
76
76th pctile
Efficiency Ratio
Current: 57.05% · Tier avg: 67.73%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
68
68th pctile
Total Loans
Current: $177.8M · Tier avg: $139.2M
Top Weaknesses
68
68th pctile
Total Loans
Current: $177.8M · Tier avg: $139.2M
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
76
76th pctile
Efficiency Ratio
Current: 57.05% · Tier avg: 67.73%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.33% · Tier avg: 8.85%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.08%
81
81th pctile
Loan-to-Deposit Ratio
Current: 56.02% · Tier avg: 74.53%
83
83th pctile
Net Interest Margin
Current: 4.64% · Tier avg: 3.85%
83
83th pctile
Total Assets
Current: $365.9M · Tier avg: $217.5M
84
84th pctile
Total Deposits
Current: $317.4M · Tier avg: $183.7M
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.66% · Tier avg: 22.39%
90
90th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%