BlastPoint's Banking Scorecard
The Commercial Bank
Micro
Specialty: Commercial
GA
FDIC cert 175
Designations: ✓ Community bank
Crawford, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The Commercial Bank shows strong momentum with 3 strengths and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.82% above tier
- + Net Interest Margin 1.27% above tier
- + Efficiency Ratio 22.09% below 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 ? |
$462.6M
+6.9% YoY
+6.4% QoQ
|
+$245.1M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$316.7M
+7.6% YoY
+3.6% QoQ
|
+$177.6M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$419.7M
+5.4% YoY
+6.6% QoQ
|
+$236.1M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
2.90%
+7.5% YoY
-3.4% QoQ
|
+1.82% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.12%
+9.0% YoY
-0.1% QoQ
|
+1.27% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
45.64%
-0.1% YoY
+3.5% QoQ
|
-22.09% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.14%
-3.7% QoQ
|
-0.50% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
75.46%
+2.1% YoY
-2.8% QoQ
|
+0.94% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
32.03%
-1.8% YoY
-9.8% QoQ
|
+9.64% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.10%
-6.2% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
68% |
| 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 ? |
0.66%
-10.6% YoY
+23.3% QoQ
|
+0.09% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.90%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.12%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.64%
(Tier avg: 67.73%, National avg: 65.09%)
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
98
98th pctile
Total Deposits
Current: $419.7M · Tier avg: $183.7M
98
98th pctile
Return on Assets
Current: 2.90% · Tier avg: 1.08%
95
95th pctile
Total Assets
Current: $462.6M · Tier avg: $217.5M
95
95th pctile
Total Loans
Current: $316.7M · Tier avg: $139.2M
95
95th pctile
Efficiency Ratio
Current: 45.64% · Tier avg: 67.73%
92
92th pctile
Net Interest Margin
Current: 5.12% · Tier avg: 3.85%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.03% · Tier avg: 22.39%
80
80th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.46% · Tier avg: 74.53%
Top Weaknesses
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.46% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
80
80th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.03% · Tier avg: 22.39%
92
92th pctile
Net Interest Margin
Current: 5.12% · Tier avg: 3.85%
95
95th pctile
Efficiency Ratio
Current: 45.64% · Tier avg: 67.73%
95
95th pctile
Total Loans
Current: $316.7M · Tier avg: $139.2M
95
95th pctile
Total Assets
Current: $462.6M · Tier avg: $217.5M
98
98th pctile
Return on Assets
Current: 2.90% · Tier avg: 1.08%
98
98th pctile
Total Deposits
Current: $419.7M · Tier avg: $183.7M