BlastPoint's Banking Scorecard
Bank of Dawson
Micro
Specialty: Agricultural
GA
FDIC cert 876
Designations: ✓ Community bank
Dawson, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Bank of Dawson has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 16.12% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.63% above tier
- - Nonperforming Asset Ratio 1.55% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$158.3M
-0.8% YoY
-2.4% QoQ
|
-$59.2M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$89.1M
-6.0% YoY
-8.7% QoQ
|
-$50.1M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$131.5M
+0.7% YoY
-2.1% QoQ
|
-$52.1M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.63%
+15.0% YoY
-18.9% QoQ
|
+0.55% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
4.40%
+5.0% YoY
-0.6% QoQ
|
+0.55% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
59.18%
-3.5% YoY
+15.8% QoQ
|
-8.55% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
3.27%
-15.2% YoY
+3.1% QoQ
|
+2.63% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
67.75%
-6.7% YoY
-6.8% QoQ
|
-6.78% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
20.56%
-2.5% YoY
+4.1% QoQ
|
-1.83% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
2.01%
-14.4% YoY
-5.4% QoQ
|
+1.55% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
24.97%
+3.3% YoY
-1.8% QoQ
|
+16.12% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.46%
+22.4% YoY
+26.3% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.97%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.27%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.01%
(Tier avg: 0.45%, National avg: 0.48%)
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
Tier 1 Capital Ratio
Current: 24.97% · Tier avg: 8.85%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.08%
76
76th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.85%
69
69th pctile
Efficiency Ratio
Current: 59.18% · Tier avg: 67.73%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.56% · Tier avg: 22.39%
40
40th pctile
Total Assets
Current: $158.3M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $131.5M · Tier avg: $183.7M
38
38th pctile
Total Loans
Current: $89.1M · Tier avg: $139.2M
35
35th pctile
Loan-to-Deposit Ratio
Current: 67.75% · Tier avg: 74.53%
7
7th pctile
Nonperforming Asset Ratio
Current: 2.01% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.27% · Tier avg: 0.64%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 3.27% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 2.01% · Tier avg: 0.45%
35
35th pctile
Loan-to-Deposit Ratio
Current: 67.75% · Tier avg: 74.53%
38
38th pctile
Total Loans
Current: $89.1M · Tier avg: $139.2M
39
39th pctile
Total Deposits
Current: $131.5M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $158.3M · Tier avg: $217.5M
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.56% · Tier avg: 22.39%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
69
69th pctile
Efficiency Ratio
Current: 59.18% · Tier avg: 67.73%
76
76th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.85%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.08%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.97% · Tier avg: 8.85%