BlastPoint's Banking Scorecard
Community Bank of Pickens County
Community
Specialty: Commercial
GA
FDIC cert 35513
Jasper, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Community Bank of Pickens County has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 12% in Community
- + Net Interest Margin 1.51% above tier
- + Efficiency Ratio 27.18% below tier
- + Tier 1 Capital Ratio 8.83% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 34% in Community
- - Delinquency Rate 1.51% above tier
- - Nonperforming Asset Ratio 1.09% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$629.6M
+8.1% YoY
+2.7% QoQ
|
-$761.9M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$462.8M
+7.6% YoY
+3.2% QoQ
|
-$512.7M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$542.4M
+7.5% YoY
+2.8% QoQ
|
-$622.2M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
2.58%
+14.9% YoY
-3.8% QoQ
|
+1.41% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.18%
+6.6% YoY
-1.3% QoQ
|
+1.51% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
35.45%
-11.7% YoY
-1.5% QoQ
|
-27.18% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
2.14%
-27.2% YoY
+76.2% QoQ
|
+1.51% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
85.32%
+0.1% YoY
+0.4% QoQ
|
+2.26% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
18.59%
-4.1% YoY
-9.7% QoQ
|
-2.45% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
1.59%
-29.3% YoY
+79.0% QoQ
|
+1.09% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
19.07%
+5.5% YoY
-1.3% QoQ
|
+8.83% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.54%
+28.1% YoY
+16.2% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#46 of 371 · Top 12% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.58%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 4%
in Community
Why this stands out
Current:
5.18%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
35.45%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
19.07%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Liquidity Overhang
risk
#92 of 268 · Bottom 34% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.07%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
85.32%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 9%
in Community
Why this stands out
Current:
2.14%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Community
Why this stands out
Current:
1.59%
(Tier avg: 0.50%, National avg: 0.48%)
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
98
98th pctile
Efficiency Ratio
Current: 35.45% · Tier avg: 62.63%
97
97th pctile
Return on Assets
Current: 2.58% · Tier avg: 1.16%
96
96th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.66%
91
91th pctile
Tier 1 Capital Ratio
Current: 19.07% · Tier avg: 10.24%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
52
52th pctile
Loan-to-Deposit Ratio
Current: 85.32% · Tier avg: 83.06%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.59% · Tier avg: 21.05%
24
24th pctile
Total Loans
Current: $462.8M · Tier avg: $975.5M
20
20th pctile
Total Deposits
Current: $542.4M · Tier avg: $1.2B
18
18th pctile
Total Assets
Current: $629.6M · Tier avg: $1.4B
10
10th pctile
Nonperforming Asset Ratio
Current: 1.59% · Tier avg: 0.50%
9
9th pctile
Delinquency Rate
Current: 2.14% · Tier avg: 0.63%
Top Weaknesses
9
9th pctile
Delinquency Rate
Current: 2.14% · Tier avg: 0.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.59% · Tier avg: 0.50%
18
18th pctile
Total Assets
Current: $629.6M · Tier avg: $1.4B
20
20th pctile
Total Deposits
Current: $542.4M · Tier avg: $1.2B
24
24th pctile
Total Loans
Current: $462.8M · Tier avg: $975.5M
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.59% · Tier avg: 21.05%
52
52th pctile
Loan-to-Deposit Ratio
Current: 85.32% · Tier avg: 83.06%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
91
91th pctile
Tier 1 Capital Ratio
Current: 19.07% · Tier avg: 10.24%
96
96th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.66%
97
97th pctile
Return on Assets
Current: 2.58% · Tier avg: 1.16%
98
98th pctile
Efficiency Ratio
Current: 35.45% · Tier avg: 62.63%