BlastPoint's Banking Scorecard
The Geo. D. Warthen Bank
Micro
Specialty: Other
GA
FDIC cert 2154
Designations: ✓ Community bank
Sandersville, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The Geo. D. Warthen Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.00% above tier
- + Non-Interest-Bearing Deposit Share 28.88% 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 ? |
$195.3M
-3.4% YoY
-1.6% QoQ
|
-$22.2M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$110.7M
+2.3% YoY
+1.8% QoQ
|
-$28.5M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$168.2M
-5.3% YoY
-1.9% QoQ
|
-$15.5M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.24%
+3.1% YoY
+5.8% QoQ
|
+0.15% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
5.85%
+6.9% YoY
+1.7% QoQ
|
+2.00% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
72.70%
-0.2% YoY
-0.6% QoQ
|
+4.97% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
1.18%
-10.6% YoY
-17.0% QoQ
|
+0.54% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
65.79%
+8.0% YoY
+3.8% QoQ
|
-8.74% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
51.27%
+2.1% YoY
+3.5% QoQ
|
+28.88% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.67%
-14.7% YoY
-14.1% QoQ
|
+0.22% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
21.28%
+6.0% YoY
-0.4% QoQ
|
+12.43% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.64%
+18.7% YoY
+34.6% QoQ
|
+0.08% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.85%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
51.27%
(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
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 51.27% · Tier avg: 22.39%
97
97th pctile
Net Interest Margin
Current: 5.85% · Tier avg: 3.85%
88
88th pctile
Tier 1 Capital Ratio
Current: 21.28% · Tier avg: 8.85%
79
79th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.56%
61
61th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.08%
51
51th pctile
Total Deposits
Current: $168.2M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $195.3M · Tier avg: $217.5M
47
47th pctile
Total Loans
Current: $110.7M · Tier avg: $139.2M
33
33th pctile
Efficiency Ratio
Current: 72.70% · Tier avg: 67.73%
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.79% · Tier avg: 74.53%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
25
25th pctile
Delinquency Rate
Current: 1.18% · Tier avg: 0.64%
Top Weaknesses
25
25th pctile
Delinquency Rate
Current: 1.18% · Tier avg: 0.64%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.79% · Tier avg: 74.53%
33
33th pctile
Efficiency Ratio
Current: 72.70% · Tier avg: 67.73%
47
47th pctile
Total Loans
Current: $110.7M · Tier avg: $139.2M
50
50th pctile
Total Assets
Current: $195.3M · Tier avg: $217.5M
51
51th pctile
Total Deposits
Current: $168.2M · Tier avg: $183.7M
61
61th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.08%
79
79th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.56%
88
88th pctile
Tier 1 Capital Ratio
Current: 21.28% · Tier avg: 8.85%
97
97th pctile
Net Interest Margin
Current: 5.85% · Tier avg: 3.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 51.27% · Tier avg: 22.39%