BlastPoint's Banking Scorecard
Flint Community Bank
Micro
Specialty: Commercial
GA
FDIC cert 58074
Designations: ✓ Community bank
Albany, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Flint Community Bank shows strong momentum with 1 strength and 5.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.95% 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 ? |
$332.4M
+5.0% YoY
+0.5% QoQ
|
+$114.9M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$276.6M
+2.1% YoY
+2.3% QoQ
|
+$137.4M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$282.4M
+8.1% YoY
-0.4% QoQ
|
+$98.8M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
2.04%
+23.3% YoY
+2.5% QoQ
|
+0.95% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.46%
+11.2% YoY
+1.8% QoQ
|
+0.61% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
54.47%
-10.2% YoY
-0.9% QoQ
|
-13.26% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
1.86%
+2.1% YoY
-2.9% QoQ
|
+1.22% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
97.93%
-5.5% YoY
+2.7% QoQ
|
+23.40% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.48%
-2.4% YoY
-2.0% QoQ
|
+3.08% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
1.55%
-0.7% YoY
-1.2% QoQ
|
+1.09% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
12.30%
+9.2% YoY
+0.9% QoQ
|
+3.44% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.49%
+0.3% YoY
+33.5% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.04%
(Tier avg: 1.08%, National avg: 1.12%)
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
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.08%
89
89th pctile
Total Loans
Current: $276.6M · Tier avg: $139.2M
82
82th pctile
Efficiency Ratio
Current: 54.47% · Tier avg: 67.73%
78
78th pctile
Total Deposits
Current: $282.4M · Tier avg: $183.7M
78
78th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.85%
78
78th pctile
Total Assets
Current: $332.4M · Tier avg: $217.5M
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.48% · Tier avg: 22.39%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 8.85%
14
14th pctile
Delinquency Rate
Current: 1.86% · Tier avg: 0.64%
11
11th pctile
Loan-to-Deposit Ratio
Current: 97.93% · Tier avg: 74.53%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.55% · Tier avg: 0.45%
Top Weaknesses
11
11th pctile
Nonperforming Asset Ratio
Current: 1.55% · Tier avg: 0.45%
11
11th pctile
Loan-to-Deposit Ratio
Current: 97.93% · Tier avg: 74.53%
14
14th pctile
Delinquency Rate
Current: 1.86% · Tier avg: 0.64%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 8.85%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.48% · Tier avg: 22.39%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
78
78th pctile
Total Assets
Current: $332.4M · Tier avg: $217.5M
78
78th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.85%
78
78th pctile
Total Deposits
Current: $282.4M · Tier avg: $183.7M
82
82th pctile
Efficiency Ratio
Current: 54.47% · Tier avg: 67.73%
89
89th pctile
Total Loans
Current: $276.6M · Tier avg: $139.2M
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.08%