BlastPoint's Banking Scorecard
Georgia First Bank
Micro
Specialty: Commercial
GA
FDIC cert 889
Designations: ✓ Community bank
Soperton, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Georgia First Bank shows strong momentum with 1 strength and 20.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.82% 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 ? |
$275.1M
+20.3% YoY
+6.7% QoQ
|
+$57.6M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$219.9M
+28.0% YoY
+2.2% QoQ
|
+$80.7M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$247.1M
+19.6% YoY
+7.1% QoQ
|
+$63.4M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
1.95%
+9.8% YoY
-1.7% QoQ
|
+0.87% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
5.67%
+4.3% YoY
-1.1% QoQ
|
+1.82% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
57.21%
-3.8% YoY
+0.3% QoQ
|
-10.52% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.64%
-30.3% YoY
-1.5% QoQ
|
0 |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
89.00%
+7.0% YoY
-4.6% QoQ
|
+14.47% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
16.91%
-9.2% YoY
-5.8% QoQ
|
-5.49% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.51%
-25.8% YoY
-5.6% QoQ
|
+0.06% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
12.86%
+3.8% YoY
+4.7% QoQ
|
+4.01% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.44%
+3.1% YoY
+32.0% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.67%
(Tier avg: 3.85%, National avg: 3.75%)
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
97
97th pctile
Net Interest Margin
Current: 5.67% · Tier avg: 3.85%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
79
79th pctile
Total Loans
Current: $219.9M · Tier avg: $139.2M
75
75th pctile
Efficiency Ratio
Current: 57.21% · Tier avg: 67.73%
75
75th pctile
Loan-to-Deposit Ratio
Current: 89.00% · Tier avg: 74.53%
70
70th pctile
Total Deposits
Current: $247.1M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $275.1M · Tier avg: $217.5M
63
63th pctile
Tier 1 Capital Ratio
Current: 12.86% · Tier avg: 8.85%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
40
40th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.64%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.91% · Tier avg: 22.39%
Top Weaknesses
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.91% · Tier avg: 22.39%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
40
40th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.64%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.86% · Tier avg: 8.85%
67
67th pctile
Total Assets
Current: $275.1M · Tier avg: $217.5M
70
70th pctile
Total Deposits
Current: $247.1M · Tier avg: $183.7M
75
75th pctile
Loan-to-Deposit Ratio
Current: 89.00% · Tier avg: 74.53%
75
75th pctile
Efficiency Ratio
Current: 57.21% · Tier avg: 67.73%
79
79th pctile
Total Loans
Current: $219.9M · Tier avg: $139.2M
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
97
97th pctile
Net Interest Margin
Current: 5.67% · Tier avg: 3.85%