BlastPoint's Banking Scorecard
RBC Bank, (Georgia) National Association
Mid-Market
Specialty: Other
GA
FDIC cert 26342
Atlanta, GA
201
banks in Mid-Market tier nationally
1 in GA
View Mid-Market leaderboard (GA) →
RBC Bank, (Georgia) National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 16% in Mid-Market
- + Efficiency Ratio 27.02% below tier
- + Tier 1 Capital Ratio 27.56% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 42% in Mid-Market
- - Loan-to-Deposit Ratio 41.19% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.0B
+19.1% YoY
+8.4% QoQ
|
-$2.4B |
$10.5B
+2.9% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$3.1B
+8.7% YoY
+10.7% QoQ
|
-$4.0B |
$7.1B
+4.5% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$7.1B
+18.4% YoY
+9.1% QoQ
|
-$1.5B |
$8.5B
+3.0% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
2.48%
+5.6% YoY
+1.0% QoQ
|
+1.32% |
1.16%
+9.4% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.10%
+4.6% YoY
-0.4% QoQ
|
+0.70% |
3.40%
+7.9% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
29.58%
-6.4% YoY
-4.2% QoQ
|
-27.02% |
56.60%
-3.2% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.67%
+9.6% YoY
-2.9% QoQ
|
-0.02% |
0.68%
+12.0% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
44.29%
-8.2% YoY
+1.5% QoQ
|
-41.19% |
85.47%
+1.1% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.70%
-5.2% YoY
-1.1% QoQ
|
+1.06% |
20.64%
-0.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.27%
+2.2% YoY
+0.1% QoQ
|
-0.23% |
0.50%
+7.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
41.11%
+17.6% YoY
+1.3% QoQ
|
+27.56% |
13.55%
+1.8% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.69%
-14.5% YoY
+24.0% QoQ
|
-0.26% |
0.96%
+7.1% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#9 of 51 · Top 16% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.48%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 4%
in Mid-Market
Why this stands out
Current:
29.58%
(Tier avg: 56.60%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
41.11%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (2)
Credit Risk Growth
risk
#37 of 87 · Bottom 42% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Bottom 3%
in Mid-Market
Why this stands out
Current:
44.29%
(Tier avg: 85.47%, National avg: 78.04%)
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
100
100th pctile
Tier 1 Capital Ratio
Current: 41.11% · Tier avg: 13.55%
96
96th pctile
Efficiency Ratio
Current: 29.58% · Tier avg: 56.60%
96
96th pctile
Return on Assets
Current: 2.48% · Tier avg: 1.16%
82
82th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.40%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
55
55th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.96%
52
52th pctile
Total Deposits
Current: $7.1B · Tier avg: $8.5B
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.70% · Tier avg: 20.64%
45
45th pctile
Total Assets
Current: $8.0B · Tier avg: $10.5B
45
45th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.68%
5
5th pctile
Total Loans
Current: $3.1B · Tier avg: $7.1B
3
3th pctile
Loan-to-Deposit Ratio
Current: 44.29% · Tier avg: 85.47%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 44.29% · Tier avg: 85.47%
5
5th pctile
Total Loans
Current: $3.1B · Tier avg: $7.1B
45
45th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.68%
45
45th pctile
Total Assets
Current: $8.0B · Tier avg: $10.5B
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.70% · Tier avg: 20.64%
52
52th pctile
Total Deposits
Current: $7.1B · Tier avg: $8.5B
55
55th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.96%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
82
82th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.40%
96
96th pctile
Return on Assets
Current: 2.48% · Tier avg: 1.16%
96
96th pctile
Efficiency Ratio
Current: 29.58% · Tier avg: 56.60%
100
100th pctile
Tier 1 Capital Ratio
Current: 41.11% · Tier avg: 13.55%