BlastPoint's Banking Scorecard
Affinity Bank, National Association
Community
Specialty: Commercial
GA
FDIC cert 29510
Covington, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Affinity Bank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 21.27% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$881.4M
+1.7% YoY
-4.7% QoQ
|
-$510.0M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$733.8M
+4.0% YoY
+1.8% QoQ
|
-$241.7M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$703.3M
+3.6% YoY
-5.7% QoQ
|
-$461.3M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
0.94%
+19.5% YoY
+2.5% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.67%
+1.5% YoY
+2.8% QoQ
|
+0.01% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
64.13%
-6.8% YoY
-2.3% QoQ
|
+1.50% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.49%
-28.1% YoY
-31.0% QoQ
|
-0.14% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
104.33%
+0.3% YoY
+7.9% QoQ
|
+21.27% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.06%
-13.1% YoY
-4.8% QoQ
|
-0.99% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.41%
-26.5% YoY
-26.3% QoQ
|
-0.09% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
12.04%
-7.0% YoY
-0.3% QoQ
|
+1.80% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.29%
-3.5% YoY
+40.9% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
104.33%
(Tier avg: 83.06%, 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
52
52th pctile
Total Loans
Current: $733.8M · Tier avg: $975.5M
52
52th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.06% · Tier avg: 21.05%
48
48th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
47
47th pctile
Tier 1 Capital Ratio
Current: 12.04% · Tier avg: 10.24%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
44
44th pctile
Efficiency Ratio
Current: 64.13% · Tier avg: 62.63%
41
41th pctile
Total Assets
Current: $881.4M · Tier avg: $1.4B
39
39th pctile
Total Deposits
Current: $703.3M · Tier avg: $1.2B
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
7
7th pctile
Loan-to-Deposit Ratio
Current: 104.33% · Tier avg: 83.06%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 104.33% · Tier avg: 83.06%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
39
39th pctile
Total Deposits
Current: $703.3M · Tier avg: $1.2B
41
41th pctile
Total Assets
Current: $881.4M · Tier avg: $1.4B
44
44th pctile
Efficiency Ratio
Current: 64.13% · Tier avg: 62.63%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
47
47th pctile
Tier 1 Capital Ratio
Current: 12.04% · Tier avg: 10.24%
48
48th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.06% · Tier avg: 21.05%
52
52th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
52
52th pctile
Total Loans
Current: $733.8M · Tier avg: $975.5M