BlastPoint's Banking Scorecard
The Bank of Edison
Micro
Specialty: Agricultural
GA
FDIC cert 5686
Designations: ✓ Community bank
Edison, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The Bank of Edison shows strong momentum with 1 strength and 7.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.55% 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 ? |
$84.7M
+7.2% YoY
-4.2% QoQ
|
-$132.8M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$47.0M
+11.0% YoY
-0.9% QoQ
|
-$92.2M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$79.8M
+5.8% YoY
-3.0% QoQ
|
-$103.9M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.87%
-0.0% YoY
-28.6% QoQ
|
-0.22% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
4.38%
-0.0% YoY
+1.3% QoQ
|
+0.53% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
78.36%
-1.1% YoY
+6.7% QoQ
|
+10.63% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
1.77%
+188.7% YoY
-16.5% QoQ
|
+1.13% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
58.94%
+5.0% YoY
+2.2% QoQ
|
-15.59% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
27.83%
-25.2% YoY
+3.7% QoQ
|
+5.44% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.98%
+198.9% YoY
-13.7% QoQ
|
+0.53% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
14.59%
-1.0% YoY
+5.3% QoQ
|
+5.74% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
1.12%
+3.8% YoY
+12.7% QoQ
|
+0.55% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.12%
(Tier avg: 0.56%, National avg: 0.65%)
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 0.56%
75
75th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.85%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.83% · Tier avg: 22.39%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.59% · Tier avg: 8.85%
37
37th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
23
23th pctile
Efficiency Ratio
Current: 78.36% · Tier avg: 67.73%
23
23th pctile
Loan-to-Deposit Ratio
Current: 58.94% · Tier avg: 74.53%
22
22th pctile
Total Deposits
Current: $79.8M · Tier avg: $183.7M
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
18
18th pctile
Total Loans
Current: $47.0M · Tier avg: $139.2M
17
17th pctile
Total Assets
Current: $84.7M · Tier avg: $217.5M
15
15th pctile
Delinquency Rate
Current: 1.77% · Tier avg: 0.64%
Top Weaknesses
15
15th pctile
Delinquency Rate
Current: 1.77% · Tier avg: 0.64%
17
17th pctile
Total Assets
Current: $84.7M · Tier avg: $217.5M
18
18th pctile
Total Loans
Current: $47.0M · Tier avg: $139.2M
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
22
22th pctile
Total Deposits
Current: $79.8M · Tier avg: $183.7M
23
23th pctile
Loan-to-Deposit Ratio
Current: 58.94% · Tier avg: 74.53%
23
23th pctile
Efficiency Ratio
Current: 78.36% · Tier avg: 67.73%
37
37th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.59% · Tier avg: 8.85%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.83% · Tier avg: 22.39%
75
75th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.85%
93
93th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 0.56%