BlastPoint's Banking Scorecard
Bank of Newington
Micro
Specialty: Commercial
GA
FDIC cert 5704
Designations: ✓ Community bank
Newington, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Bank of Newington shows strong momentum with 1 strength and 13.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.27% 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 ? |
$313.0M
+13.9% YoY
+1.4% QoQ
|
+$95.5M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$243.9M
+13.2% YoY
+3.5% QoQ
|
+$104.7M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$282.6M
+18.6% YoY
+5.2% QoQ
|
+$99.0M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.25%
-9.9% YoY
-12.3% QoQ
|
+0.17% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
5.13%
+3.0% YoY
+1.1% QoQ
|
+1.27% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
60.45%
+3.6% YoY
+2.6% QoQ
|
-7.28% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.44%
-56.3% YoY
-53.8% QoQ
|
-0.20% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
86.30%
-4.5% YoY
-1.6% QoQ
|
+11.77% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
15.43%
-13.4% YoY
-4.0% QoQ
|
-6.96% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.53%
-47.3% YoY
-42.3% QoQ
|
+0.07% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
11.74%
-1.7% YoY
-3.0% QoQ
|
+2.89% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.30%
+129.3% YoY
+38.5% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.13%
(Tier avg: 3.85%, National avg: 3.75%)
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
92
92th pctile
Net Interest Margin
Current: 5.13% · Tier avg: 3.85%
83
83th pctile
Total Loans
Current: $243.9M · Tier avg: $139.2M
78
78th pctile
Total Deposits
Current: $282.6M · Tier avg: $183.7M
74
74th pctile
Total Assets
Current: $313.0M · Tier avg: $217.5M
66
66th pctile
Efficiency Ratio
Current: 60.45% · Tier avg: 67.73%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.74% · Tier avg: 8.85%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.30% · Tier avg: 74.53%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.43% · Tier avg: 22.39%
Top Weaknesses
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.43% · Tier avg: 22.39%
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.30% · Tier avg: 74.53%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.74% · Tier avg: 8.85%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
66
66th pctile
Efficiency Ratio
Current: 60.45% · Tier avg: 67.73%
74
74th pctile
Total Assets
Current: $313.0M · Tier avg: $217.5M
78
78th pctile
Total Deposits
Current: $282.6M · Tier avg: $183.7M
83
83th pctile
Total Loans
Current: $243.9M · Tier avg: $139.2M
92
92th pctile
Net Interest Margin
Current: 5.13% · Tier avg: 3.85%