BlastPoint's Banking Scorecard
First National Community Bank
Community
Specialty: Commercial
GA
FDIC cert 22092
Chatsworth, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
First National Community Bank shows strong momentum with 1 strength and 8.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.52% 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 ? |
$703.2M
+8.2% YoY
-1.1% QoQ
|
-$688.2M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$489.5M
-0.6% YoY
-3.2% QoQ
|
-$486.0M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$604.8M
+7.9% YoY
-1.8% QoQ
|
-$559.8M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
1.83%
-5.5% YoY
+6.0% QoQ
|
+0.66% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
5.18%
-2.5% YoY
+0.2% QoQ
|
+1.52% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
48.19%
-2.6% YoY
-0.9% QoQ
|
-14.44% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.55%
+140.9% YoY
+7.8% QoQ
|
-0.08% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
80.92%
-7.9% YoY
-1.4% QoQ
|
-2.14% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
24.56%
-4.0% YoY
-1.5% QoQ
|
+3.52% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.38%
+121.2% YoY
+5.5% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.49%
+1.6% YoY
+35.9% QoQ
|
-0.25% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 4%
in Community
Why this stands out
Current:
5.18%
(Tier avg: 3.66%, National avg: 3.75%)
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
96
96th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.66%
87
87th pctile
Efficiency Ratio
Current: 48.19% · Tier avg: 62.63%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.56% · Tier avg: 21.05%
60
60th pctile
Loan-to-Deposit Ratio
Current: 80.92% · Tier avg: 83.06%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
44
44th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Total Loans
Current: $489.5M · Tier avg: $975.5M
29
29th pctile
Total Deposits
Current: $604.8M · Tier avg: $1.2B
27
27th pctile
Total Assets
Current: $703.2M · Tier avg: $1.4B
Top Weaknesses
27
27th pctile
Total Assets
Current: $703.2M · Tier avg: $1.4B
29
29th pctile
Total Deposits
Current: $604.8M · Tier avg: $1.2B
29
29th pctile
Total Loans
Current: $489.5M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
44
44th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
60
60th pctile
Loan-to-Deposit Ratio
Current: 80.92% · Tier avg: 83.06%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.56% · Tier avg: 21.05%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
87
87th pctile
Efficiency Ratio
Current: 48.19% · Tier avg: 62.63%
96
96th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.66%