BlastPoint's Banking Scorecard
American Pride Bank
Community
Specialty: Commercial
GA
FDIC cert 58584
Macon, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
American Pride Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 38% in Community
- - Non-Interest Income / Assets 0.60% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$772.8M
+85.4% YoY
+16.2% QoQ
|
-$618.7M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$507.4M
+72.5% YoY
+14.9% QoQ
|
-$468.1M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$646.0M
+74.4% YoY
+16.2% QoQ
|
-$518.6M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.69%
-5.8% YoY
+20.5% QoQ
|
-0.47% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.62%
+15.1% YoY
+1.6% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
60.97%
-17.7% YoY
-8.7% QoQ
|
-1.66% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.02%
-92.4% YoY
+582.9% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
78.54%
-1.1% YoY
-1.2% QoQ
|
-4.52% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
9.75%
-20.8% YoY
-37.7% QoQ
|
-11.30% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-92.9% YoY
+575.0% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.14%
-50.2% YoY
+35.6% QoQ
|
-0.60% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
NIB Deposit Bleed
decline
#34 of 89 · Bottom 38% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
9.75%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Non-Interest Income / Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.14%
(Tier avg: 0.74%, National avg: 0.65%)
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
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
54
54th pctile
Efficiency Ratio
Current: 60.97% · Tier avg: 62.63%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
35
35th pctile
Loan-to-Deposit Ratio
Current: 78.54% · Tier avg: 83.06%
33
33th pctile
Total Assets
Current: $772.8M · Tier avg: $1.4B
33
33th pctile
Total Deposits
Current: $646.0M · Tier avg: $1.2B
32
32th pctile
Total Loans
Current: $507.4M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.75% · Tier avg: 21.05%
5
5th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.75% · Tier avg: 21.05%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Total Loans
Current: $507.4M · Tier avg: $975.5M
33
33th pctile
Total Deposits
Current: $646.0M · Tier avg: $1.2B
33
33th pctile
Total Assets
Current: $772.8M · Tier avg: $1.4B
35
35th pctile
Loan-to-Deposit Ratio
Current: 78.54% · Tier avg: 83.06%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
54
54th pctile
Efficiency Ratio
Current: 60.97% · Tier avg: 62.63%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%