BlastPoint's Banking Scorecard
First National Bank of Decatur County
Micro
Specialty: Commercial
GA
FDIC cert 57694
Designations: ✓ Community bank
Bainbridge, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
First National Bank of Decatur County faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.91% below tier
- - Efficiency Ratio 25.44% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$371.0M
+10.8% YoY
+8.7% QoQ
|
+$153.5M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$247.1M
+11.7% YoY
+1.4% QoQ
|
+$107.9M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$345.2M
+11.2% YoY
+9.5% QoQ
|
+$161.5M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.17%
+179.6% YoY
-26.7% QoQ
|
-0.91% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.36%
+21.4% YoY
+0.3% QoQ
|
-0.50% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
93.17%
-15.6% YoY
+1.6% QoQ
|
+25.44% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.45%
-25.2% YoY
-5.8% QoQ
|
-0.19% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
71.58%
+0.5% YoY
-7.4% QoQ
|
-2.94% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
16.47%
-2.0% YoY
+4.1% QoQ
|
-5.92% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.42%
+5.4% YoY
+22.7% QoQ
|
-0.04% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
9.75%
-8.4% YoY
-9.8% QoQ
|
+0.89% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
+2.8% YoY
+20.3% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.17%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
93.17%
(Tier avg: 67.73%, National avg: 65.09%)
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
89
89th pctile
Total Deposits
Current: $345.2M · Tier avg: $183.7M
84
84th pctile
Total Loans
Current: $247.1M · Tier avg: $139.2M
84
84th pctile
Total Assets
Current: $371.0M · Tier avg: $217.5M
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.58% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.75% · Tier avg: 8.85%
48
48th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.47% · Tier avg: 22.39%
28
28th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.85%
9
9th pctile
Return on Assets
Current: 0.17% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 93.17% · Tier avg: 67.73%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 93.17% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.17% · Tier avg: 1.08%
28
28th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.85%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.47% · Tier avg: 22.39%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
48
48th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.75% · Tier avg: 8.85%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.58% · Tier avg: 74.53%
84
84th pctile
Total Assets
Current: $371.0M · Tier avg: $217.5M
84
84th pctile
Total Loans
Current: $247.1M · Tier avg: $139.2M
89
89th pctile
Total Deposits
Current: $345.2M · Tier avg: $183.7M