BlastPoint's Banking Scorecard
Community Bank of Georgia
Micro
Specialty: Agricultural
GA
FDIC cert 57579
Designations: ✓ Community bank
Baxley, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Community Bank of Georgia shows strong momentum with 1 strength and 12.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.33% below 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 ? |
$247.6M
+12.0% YoY
+0.2% QoQ
|
+$30.1M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$162.4M
+24.3% YoY
+4.0% QoQ
|
+$23.3M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$219.2M
+11.0% YoY
-0.4% QoQ
|
+$35.5M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.77%
+14.5% YoY
-0.0% QoQ
|
+0.69% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.67%
+4.3% YoY
+0.9% QoQ
|
+0.82% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
43.40%
-9.1% YoY
+1.3% QoQ
|
-24.33% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
1.35%
+118.3% YoY
+200.2% QoQ
|
+0.71% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
74.10%
+12.0% YoY
+4.5% QoQ
|
-0.42% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
15.99%
+1.3% YoY
+6.4% QoQ
|
-6.41% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.89%
+122.2% YoY
+211.8% QoQ
|
+0.44% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
22% |
| 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 ? |
0.14%
-4.5% YoY
+36.6% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.40%
(Tier avg: 67.73%, National avg: 65.09%)
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
96
96th pctile
Efficiency Ratio
Current: 43.40% · Tier avg: 67.73%
84
84th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.08%
84
84th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.85%
64
64th pctile
Total Deposits
Current: $219.2M · Tier avg: $183.7M
64
64th pctile
Total Loans
Current: $162.4M · Tier avg: $139.2M
62
62th pctile
Total Assets
Current: $247.6M · Tier avg: $217.5M
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.10% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.99% · Tier avg: 22.39%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.45%
21
21th pctile
Delinquency Rate
Current: 1.35% · Tier avg: 0.64%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
Top Weaknesses
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
21
21th pctile
Delinquency Rate
Current: 1.35% · Tier avg: 0.64%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.45%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.99% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.10% · Tier avg: 74.53%
62
62th pctile
Total Assets
Current: $247.6M · Tier avg: $217.5M
64
64th pctile
Total Loans
Current: $162.4M · Tier avg: $139.2M
64
64th pctile
Total Deposits
Current: $219.2M · Tier avg: $183.7M
84
84th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.85%
84
84th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 43.40% · Tier avg: 67.73%