BlastPoint's Banking Scorecard
Bank of Dade
Micro
Specialty: Other
GA
FDIC cert 17543
Designations: ✓ Community bank
Trenton, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Bank of Dade shows strong momentum with 3 strengths and 5.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.74% above tier
- + Net Interest Margin 1.16% above tier
- + Efficiency Ratio 21.37% 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 ? |
$160.9M
+5.3% YoY
+5.5% QoQ
|
-$56.6M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$90.2M
+4.4% YoY
-0.6% QoQ
|
-$48.9M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$149.2M
+3.5% YoY
+5.9% QoQ
|
-$34.5M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
2.83%
+18.0% YoY
-0.4% QoQ
|
+1.74% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.02%
+9.1% YoY
-0.3% QoQ
|
+1.16% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
46.35%
-2.6% YoY
+0.5% QoQ
|
-21.37% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.03%
-97.1% YoY
-70.0% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
60.50%
+0.8% YoY
-6.2% QoQ
|
-14.03% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
29.29%
-2.2% YoY
-8.0% QoQ
|
+6.90% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.02%
-95.9% YoY
-64.2% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
17.56%
+1.2% YoY
-1.2% QoQ
|
+8.71% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.63%
+13.4% YoY
+17.1% QoQ
|
+0.07% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.83%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.02%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.35%
(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
Return on Assets
Current: 2.83% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 46.35% · Tier avg: 67.73%
91
91th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.85%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.56% · Tier avg: 8.85%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.29% · Tier avg: 22.39%
45
45th pctile
Total Deposits
Current: $149.2M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $160.9M · Tier avg: $217.5M
39
39th pctile
Total Loans
Current: $90.2M · Tier avg: $139.2M
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.50% · Tier avg: 74.53%
Top Weaknesses
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.50% · Tier avg: 74.53%
39
39th pctile
Total Loans
Current: $90.2M · Tier avg: $139.2M
41
41th pctile
Total Assets
Current: $160.9M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $149.2M · Tier avg: $183.7M
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.29% · Tier avg: 22.39%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.56% · Tier avg: 8.85%
91
91th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.85%
94
94th pctile
Efficiency Ratio
Current: 46.35% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.83% · Tier avg: 1.08%