BlastPoint's Banking Scorecard
Douglas National Bank
Micro
Specialty: Commercial
GA
FDIC cert 57230
Designations: ✓ Community bank
Douglas, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Douglas National Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.17% above tier
- + Net Interest Margin 1.13% above tier
- + Efficiency Ratio 25.50% below tier
- + Non-Interest Income / Assets 0.42% 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 ? |
$324.6M
-8.5% YoY
+4.8% QoQ
|
+$107.1M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$235.6M
+8.9% YoY
+3.1% QoQ
|
+$96.5M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$292.0M
-10.8% YoY
+4.7% QoQ
|
+$108.3M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
3.25%
+9.0% YoY
+1.6% QoQ
|
+2.17% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.98%
+6.5% YoY
+1.1% QoQ
|
+1.13% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
42.22%
-4.2% YoY
+1.3% QoQ
|
-25.50% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.13%
-73.6% YoY
+59.6% QoQ
|
-0.51% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
80.71%
+22.1% YoY
-1.5% QoQ
|
+6.19% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
31.29%
+14.9% YoY
-5.6% QoQ
|
+8.90% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.14%
-54.2% YoY
+129.1% QoQ
|
-0.31% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
15.17%
+10.3% YoY
+1.8% QoQ
|
+6.32% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.98%
+17.6% YoY
+39.6% QoQ
|
+0.42% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.25%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 10%
in Micro
Why this stands out
Current:
4.98%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.22%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
0.98%
(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
99
99th pctile
Return on Assets
Current: 3.25% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 42.22% · Tier avg: 67.73%
92
92th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.56%
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
82
82th pctile
Total Loans
Current: $235.6M · Tier avg: $139.2M
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.29% · Tier avg: 22.39%
80
80th pctile
Total Deposits
Current: $292.0M · Tier avg: $183.7M
77
77th pctile
Total Assets
Current: $324.6M · Tier avg: $217.5M
73
73th pctile
Tier 1 Capital Ratio
Current: 15.17% · Tier avg: 8.85%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
59
59th pctile
Loan-to-Deposit Ratio
Current: 80.71% · Tier avg: 74.53%
Top Weaknesses
59
59th pctile
Loan-to-Deposit Ratio
Current: 80.71% · Tier avg: 74.53%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.17% · Tier avg: 8.85%
77
77th pctile
Total Assets
Current: $324.6M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $292.0M · Tier avg: $183.7M
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.29% · Tier avg: 22.39%
82
82th pctile
Total Loans
Current: $235.6M · Tier avg: $139.2M
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
92
92th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.56%
97
97th pctile
Efficiency Ratio
Current: 42.22% · Tier avg: 67.73%
99
99th pctile
Return on Assets
Current: 3.25% · Tier avg: 1.08%