BlastPoint's Banking Scorecard
First State Bank of Randolph County
Micro
Specialty: Agricultural
GA
FDIC cert 2157
Designations: ✓ Community bank
Cuthbert, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
First State Bank of Randolph County faces 6 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 1.31% below tier
- - Net Interest Margin 1.27% below tier
- - Efficiency Ratio 40.19% above tier
- - Delinquency Rate 3.94% above tier
- - Loan-to-Deposit Ratio 40.95% below tier
- - Nonperforming Asset Ratio 1.35% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.7M
-3.7% YoY
+2.1% QoQ
|
-$131.8M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$28.1M
-7.0% YoY
-5.5% QoQ
|
-$111.0M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$83.8M
-5.8% YoY
+2.0% QoQ
|
-$99.9M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
-0.23%
-1.8% QoQ
|
-1.31% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.59%
-5.0% YoY
-1.2% QoQ
|
-1.27% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
107.92%
+10.1% YoY
+0.2% QoQ
|
+40.19% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
4.58%
+16.5% YoY
+10.5% QoQ
|
+3.94% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
33.57%
-1.2% YoY
-7.3% QoQ
|
-40.95% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.78%
-16.7% YoY
+11.0% QoQ
|
+8.38% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
1.80%
+12.7% YoY
+2.5% QoQ
|
+1.35% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
15.96%
+3.1% YoY
+0.2% QoQ
|
+7.11% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.28%
+13.9% YoY
+25.5% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.23%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.59%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
107.92%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.58%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
33.57%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.80%
(Tier avg: 0.45%, National avg: 0.48%)
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
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.78% · Tier avg: 22.39%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.96% · Tier avg: 8.85%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
23
23th pctile
Total Deposits
Current: $83.8M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $85.7M · Tier avg: $217.5M
10
10th pctile
Total Loans
Current: $28.1M · Tier avg: $139.2M
8
8th pctile
Nonperforming Asset Ratio
Current: 1.80% · Tier avg: 0.45%
7
7th pctile
Net Interest Margin
Current: 2.59% · Tier avg: 3.85%
4
4th pctile
Return on Assets
Current: -0.23% · Tier avg: 1.08%
3
3th pctile
Loan-to-Deposit Ratio
Current: 33.57% · Tier avg: 74.53%
3
3th pctile
Efficiency Ratio
Current: 107.92% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 4.58% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 4.58% · Tier avg: 0.64%
3
3th pctile
Efficiency Ratio
Current: 107.92% · Tier avg: 67.73%
3
3th pctile
Loan-to-Deposit Ratio
Current: 33.57% · Tier avg: 74.53%
4
4th pctile
Return on Assets
Current: -0.23% · Tier avg: 1.08%
7
7th pctile
Net Interest Margin
Current: 2.59% · Tier avg: 3.85%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.80% · Tier avg: 0.45%
10
10th pctile
Total Loans
Current: $28.1M · Tier avg: $139.2M
18
18th pctile
Total Assets
Current: $85.7M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $83.8M · Tier avg: $183.7M
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.96% · Tier avg: 8.85%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.78% · Tier avg: 22.39%