BlastPoint's Banking Scorecard
Talbot State Bank
Micro
Specialty: Mortgage
GA
FDIC cert 178
Designations: ✓ Community bank
Woodland, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Talbot State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.39% below tier
- - Efficiency Ratio 70.90% above tier
- - Non-Interest-Bearing Deposit Share 13.73% below tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.0M
+4.3% YoY
+3.1% QoQ
|
-$164.5M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$31.1M
-1.1% YoY
-1.4% QoQ
|
-$108.1M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$46.3M
+5.0% YoY
+3.6% QoQ
|
-$137.4M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
-1.31%
-5.8% YoY
+3.8% QoQ
|
-2.39% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.46%
+5.8% YoY
+0.4% QoQ
|
-0.39% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
138.62%
+0.4% YoY
-1.2% QoQ
|
+70.90% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
2.07%
-7.6% YoY
-11.9% QoQ
|
+1.43% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
67.24%
-5.8% YoY
-4.8% QoQ
|
-7.29% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
8.66%
+15.9% YoY
-6.9% QoQ
|
-13.73% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
1.22%
-12.4% YoY
-15.7% QoQ
|
+0.76% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
17.98%
-14.9% YoY
-2.9% QoQ
|
+9.12% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.07%
-40.1% YoY
+25.7% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.31%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
138.62%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Micro
Why this stands out
Current:
8.66%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
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
82
82th pctile
Tier 1 Capital Ratio
Current: 17.98% · Tier avg: 8.85%
34
34th pctile
Loan-to-Deposit Ratio
Current: 67.24% · Tier avg: 74.53%
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 2.07% · Tier avg: 0.64%
11
11th pctile
Total Loans
Current: $31.1M · Tier avg: $139.2M
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.66% · Tier avg: 22.39%
9
9th pctile
Total Deposits
Current: $46.3M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $53.0M · Tier avg: $217.5M
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
2
2th pctile
Return on Assets
Current: -1.31% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 138.62% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 138.62% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.31% · Tier avg: 1.08%
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
8
8th pctile
Total Assets
Current: $53.0M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $46.3M · Tier avg: $183.7M
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.66% · Tier avg: 22.39%
11
11th pctile
Total Loans
Current: $31.1M · Tier avg: $139.2M
13
13th pctile
Delinquency Rate
Current: 2.07% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.45%
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
34
34th pctile
Loan-to-Deposit Ratio
Current: 67.24% · Tier avg: 74.53%
82
82th pctile
Tier 1 Capital Ratio
Current: 17.98% · Tier avg: 8.85%