BlastPoint's Banking Scorecard
South Georgia Banking Company
Community
Specialty: Commercial
GA
FDIC cert 20198
Omega, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
South Georgia Banking Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 6% in Community
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 14% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$606.0M
+5.5% YoY
+9.5% QoQ
|
-$785.4M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$366.0M
+12.9% YoY
+3.8% QoQ
|
-$609.5M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$528.8M
+4.8% YoY
+11.5% QoQ
|
-$635.8M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.13%
-24.6% YoY
-17.0% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
5.21%
+2.3% YoY
-1.4% QoQ
|
+1.55% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
67.65%
+6.2% YoY
+0.9% QoQ
|
+5.02% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.55%
+397.1% YoY
+343.4% QoQ
|
-0.08% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
69.20%
+7.8% YoY
-6.9% QoQ
|
-13.86% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
39.49%
+5.6% YoY
+7.4% QoQ
|
+18.45% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.33%
+100.2% YoY
+320.5% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
17.04%
-2.3% YoY
-6.3% QoQ
|
+6.80% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.74%
-17.4% YoY
+22.4% QoQ
|
0 |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#10 of 150 · Top 6% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
39.49%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.21%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (1)
Margin Compression
decline
#18 of 120 · Bottom 14% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.13%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
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
96
96th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.66%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 39.49% · Tier avg: 21.05%
86
86th pctile
Tier 1 Capital Ratio
Current: 17.04% · Tier avg: 10.24%
82
82th pctile
Loan-to-Deposit Ratio
Current: 69.20% · Tier avg: 83.06%
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
51
51th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
44
44th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
33
33th pctile
Efficiency Ratio
Current: 67.65% · Tier avg: 62.63%
17
17th pctile
Total Deposits
Current: $528.8M · Tier avg: $1.2B
15
15th pctile
Total Assets
Current: $606.0M · Tier avg: $1.4B
10
10th pctile
Total Loans
Current: $366.0M · Tier avg: $975.5M
Top Weaknesses
10
10th pctile
Total Loans
Current: $366.0M · Tier avg: $975.5M
15
15th pctile
Total Assets
Current: $606.0M · Tier avg: $1.4B
17
17th pctile
Total Deposits
Current: $528.8M · Tier avg: $1.2B
33
33th pctile
Efficiency Ratio
Current: 67.65% · Tier avg: 62.63%
44
44th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
51
51th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
82
82th pctile
Loan-to-Deposit Ratio
Current: 69.20% · Tier avg: 83.06%
86
86th pctile
Tier 1 Capital Ratio
Current: 17.04% · Tier avg: 10.24%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 39.49% · Tier avg: 21.05%
96
96th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.66%