BlastPoint's Banking Scorecard
Bank of Camilla
Micro
Specialty: Agricultural
GA
FDIC cert 17190
Designations: ✓ Community bank
Camilla, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Bank of Camilla demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.77% 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 ? |
$195.7M
+2.7% YoY
+8.7% QoQ
|
-$21.8M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$117.5M
+6.3% YoY
-1.6% QoQ
|
-$21.7M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$155.1M
+2.6% YoY
+11.8% QoQ
|
-$28.6M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.05%
-2.2% YoY
-2.6% QoQ
|
-0.03% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.61%
+3.0% YoY
-3.9% QoQ
|
-0.24% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
63.60%
+1.9% YoY
+2.7% QoQ
|
-4.13% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.42%
-14.8% YoY
-4.3% QoQ
|
-0.22% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
75.74%
+3.6% YoY
-11.9% QoQ
|
+1.21% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
38.17%
-9.8% YoY
+22.8% QoQ
|
+15.77% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-11.9% YoY
-13.4% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.23%
-41.7% YoY
+20.6% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.17%
(Tier avg: 22.39%, National avg: 21.79%)
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
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.17% · Tier avg: 22.39%
57
57th pctile
Efficiency Ratio
Current: 63.60% · Tier avg: 67.73%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Assets
Current: $195.7M · Tier avg: $217.5M
49
49th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.08%
49
49th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.64%
49
49th pctile
Loan-to-Deposit Ratio
Current: 75.74% · Tier avg: 74.53%
49
49th pctile
Total Loans
Current: $117.5M · Tier avg: $139.2M
47
47th pctile
Total Deposits
Current: $155.1M · Tier avg: $183.7M
40
40th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
Top Weaknesses
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
40
40th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
47
47th pctile
Total Deposits
Current: $155.1M · Tier avg: $183.7M
49
49th pctile
Total Loans
Current: $117.5M · Tier avg: $139.2M
49
49th pctile
Loan-to-Deposit Ratio
Current: 75.74% · Tier avg: 74.53%
49
49th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.64%
49
49th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.08%
50
50th pctile
Total Assets
Current: $195.7M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
57
57th pctile
Efficiency Ratio
Current: 63.60% · Tier avg: 67.73%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.17% · Tier avg: 22.39%