BlastPoint's Banking Scorecard
First National Bank of Coffee County
Community
Specialty: Commercial
GA
FDIC cert 33506
Douglas, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
First National Bank of Coffee County demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Loan-to-Deposit Ratio 31.55% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 10.74% 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 ? |
$518.6M
+2.9% YoY
+4.7% QoQ
|
-$872.8M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$239.7M
-4.9% YoY
-0.2% QoQ
|
-$735.7M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$465.4M
+1.5% YoY
+5.2% QoQ
|
-$699.2M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.53%
+28.9% YoY
-2.7% QoQ
|
+0.36% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.72%
+8.6% YoY
+1.0% QoQ
|
+0.06% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
59.73%
-8.3% YoY
+3.1% QoQ
|
-2.90% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
51.51%
-6.3% YoY
-5.1% QoQ
|
-31.55% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.35%
-11.0% YoY
-5.1% QoQ
|
+4.31% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
20.99%
+16.8% YoY
+4.1% QoQ
|
+10.74% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.54%
+14.3% YoY
+38.3% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
51.51%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
20.99%
(Tier avg: 10.24%, National avg: 9.75%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
95
95th pctile
Loan-to-Deposit Ratio
Current: 51.51% · Tier avg: 83.06%
95
95th pctile
Tier 1 Capital Ratio
Current: 20.99% · Tier avg: 10.24%
75
75th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.35% · Tier avg: 21.05%
58
58th pctile
Efficiency Ratio
Current: 59.73% · Tier avg: 62.63%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
54
54th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
8
8th pctile
Total Deposits
Current: $465.4M · Tier avg: $1.2B
3
3th pctile
Total Assets
Current: $518.6M · Tier avg: $1.4B
2
2th pctile
Total Loans
Current: $239.7M · Tier avg: $975.5M
Top Weaknesses
2
2th pctile
Total Loans
Current: $239.7M · Tier avg: $975.5M
3
3th pctile
Total Assets
Current: $518.6M · Tier avg: $1.4B
8
8th pctile
Total Deposits
Current: $465.4M · Tier avg: $1.2B
54
54th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
58
58th pctile
Efficiency Ratio
Current: 59.73% · Tier avg: 62.63%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.35% · Tier avg: 21.05%
75
75th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
95
95th pctile
Tier 1 Capital Ratio
Current: 20.99% · Tier avg: 10.24%
95
95th pctile
Loan-to-Deposit Ratio
Current: 51.51% · Tier avg: 83.06%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%