BlastPoint's Banking Scorecard
Georgia Community Bank
Micro
Specialty: Other
GA
FDIC cert 35320
Designations: ✓ Community bank
Albany, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Georgia Community Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$380.1M
-1.8% YoY
+3.6% QoQ
|
+$162.6M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$252.2M
-3.1% YoY
-3.2% QoQ
|
+$113.0M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$326.8M
-3.3% YoY
+3.7% QoQ
|
+$143.2M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.87%
+16.7% YoY
+2.6% QoQ
|
+0.79% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.97%
+5.6% YoY
+0.1% QoQ
|
+1.12% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
59.93%
-0.9% YoY
-1.0% QoQ
|
-7.80% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
1.53%
+483.4% YoY
+204.0% QoQ
|
+0.89% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
77.17%
+0.2% YoY
-6.6% QoQ
|
+2.64% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
33.64%
+0.4% YoY
+0.5% QoQ
|
+11.25% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
1.03%
+483.0% YoY
+187.9% QoQ
|
+0.58% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.39%
-20.8% YoY
+27.1% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (0)
No strengths identified
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
90
90th pctile
Net Interest Margin
Current: 4.97% · Tier avg: 3.85%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.64% · Tier avg: 22.39%
86
86th pctile
Total Deposits
Current: $326.8M · Tier avg: $183.7M
85
85th pctile
Total Assets
Current: $380.1M · Tier avg: $217.5M
85
85th pctile
Total Loans
Current: $252.2M · Tier avg: $139.2M
68
68th pctile
Efficiency Ratio
Current: 59.93% · Tier avg: 67.73%
55
55th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Loan-to-Deposit Ratio
Current: 77.17% · Tier avg: 74.53%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.64%
Top Weaknesses
18
18th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.64%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
48
48th pctile
Loan-to-Deposit Ratio
Current: 77.17% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
68
68th pctile
Efficiency Ratio
Current: 59.93% · Tier avg: 67.73%
85
85th pctile
Total Loans
Current: $252.2M · Tier avg: $139.2M
85
85th pctile
Total Assets
Current: $380.1M · Tier avg: $217.5M
86
86th pctile
Total Deposits
Current: $326.8M · Tier avg: $183.7M
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.64% · Tier avg: 22.39%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
90
90th pctile
Net Interest Margin
Current: 4.97% · Tier avg: 3.85%