BlastPoint's Banking Scorecard
First Peoples Bank
Micro
Specialty: Commercial
GA
FDIC cert 33010
Designations: ✓ Community bank
Pine Mountain, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
First Peoples Bank shows strong momentum with 1 strength and 14.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.78% 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 ? |
$444.6M
+14.4% YoY
+15.4% QoQ
|
+$227.1M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$301.8M
+8.6% YoY
+5.2% QoQ
|
+$162.6M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$383.0M
+9.6% YoY
+17.9% QoQ
|
+$199.4M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.23%
+16.1% YoY
-2.6% QoQ
|
+0.14% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
4.53%
+3.9% YoY
-0.4% QoQ
|
+0.67% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
61.79%
+1.5% YoY
+1.6% QoQ
|
-5.94% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.08%
-69.4% YoY
-2.1% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
78.79%
-0.9% YoY
-10.8% QoQ
|
+4.26% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
39.17%
+0.5% YoY
+18.5% QoQ
|
+16.78% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-70.9% YoY
-10.8% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
16.28%
+24.7% YoY
+18.9% QoQ
|
+7.43% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.27%
+5.0% YoY
+20.3% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
39.17%
(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
95
95th pctile
Total Deposits
Current: $383.0M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $444.6M · Tier avg: $217.5M
93
93th pctile
Total Loans
Current: $301.8M · Tier avg: $139.2M
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 39.17% · Tier avg: 22.39%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.28% · Tier avg: 8.85%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
62
62th pctile
Efficiency Ratio
Current: 61.79% · Tier avg: 67.73%
60
60th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.08%
45
45th pctile
Loan-to-Deposit Ratio
Current: 78.79% · Tier avg: 74.53%
34
34th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
Top Weaknesses
34
34th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
45
45th pctile
Loan-to-Deposit Ratio
Current: 78.79% · Tier avg: 74.53%
60
60th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.08%
62
62th pctile
Efficiency Ratio
Current: 61.79% · Tier avg: 67.73%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.28% · Tier avg: 8.85%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 39.17% · Tier avg: 22.39%
93
93th pctile
Total Loans
Current: $301.8M · Tier avg: $139.2M
94
94th pctile
Total Assets
Current: $444.6M · Tier avg: $217.5M
95
95th pctile
Total Deposits
Current: $383.0M · Tier avg: $183.7M