BlastPoint's Banking Scorecard
AB&T
Micro
Specialty: Commercial
GA
FDIC cert 35029
Designations: ✓ Community bank
Albany, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
AB&T demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.74% below tier
- + Non-Interest-Bearing Deposit Share 14.27% 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 ? |
$279.8M
+3.9% YoY
+6.4% QoQ
|
+$62.3M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$184.5M
+10.4% YoY
-3.3% QoQ
|
+$45.3M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$247.2M
+4.8% YoY
+7.5% QoQ
|
+$63.6M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
1.92%
+4.6% YoY
+3.0% QoQ
|
+0.84% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.59%
+2.6% YoY
+0.6% QoQ
|
+0.74% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
47.98%
-3.9% YoY
-3.1% QoQ
|
-19.74% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.54%
-25.6% QoQ
|
-0.10% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
74.63%
+5.4% YoY
-10.0% QoQ
|
+0.11% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
36.67%
-1.5% YoY
+1.8% QoQ
|
+14.27% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.36%
-32.4% QoQ
|
-0.10% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
16.37%
-3.6% YoY
+1.0% QoQ
|
+7.51% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.33%
-9.6% YoY
+24.9% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
47.98%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Micro
Why this stands out
Current:
36.67%
(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
92
92th pctile
Efficiency Ratio
Current: 47.98% · Tier avg: 67.73%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.67% · Tier avg: 22.39%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.08%
81
81th pctile
Net Interest Margin
Current: 4.59% · Tier avg: 3.85%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.37% · Tier avg: 8.85%
70
70th pctile
Total Deposits
Current: $247.2M · Tier avg: $183.7M
70
70th pctile
Total Loans
Current: $184.5M · Tier avg: $139.2M
68
68th pctile
Total Assets
Current: $279.8M · Tier avg: $217.5M
47
47th pctile
Loan-to-Deposit Ratio
Current: 74.63% · Tier avg: 74.53%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
Top Weaknesses
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
47
47th pctile
Loan-to-Deposit Ratio
Current: 74.63% · Tier avg: 74.53%
68
68th pctile
Total Assets
Current: $279.8M · Tier avg: $217.5M
70
70th pctile
Total Loans
Current: $184.5M · Tier avg: $139.2M
70
70th pctile
Total Deposits
Current: $247.2M · Tier avg: $183.7M
77
77th pctile
Tier 1 Capital Ratio
Current: 16.37% · Tier avg: 8.85%
81
81th pctile
Net Interest Margin
Current: 4.59% · Tier avg: 3.85%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.08%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.67% · Tier avg: 22.39%
92
92th pctile
Efficiency Ratio
Current: 47.98% · Tier avg: 67.73%