BlastPoint's Banking Scorecard
Bank of Dudley
Community
Specialty: Commercial
GA
FDIC cert 9068
Dudley, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Bank of Dudley has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 5% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$502.4M
+13.7% YoY
+1.3% QoQ
|
-$889.1M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$337.1M
+18.0% YoY
+6.1% QoQ
|
-$638.4M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$453.1M
+13.2% YoY
+1.0% QoQ
|
-$711.5M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.25%
+12.5% YoY
-1.9% QoQ
|
+0.09% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
4.54%
+5.3% YoY
+1.9% QoQ
|
+0.87% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
62.89%
-5.0% YoY
+2.4% QoQ
|
+0.26% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.13%
+86.0% YoY
-89.9% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
74.40%
+4.2% YoY
+5.0% QoQ
|
-8.66% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
20.75%
-8.0% YoY
-14.1% QoQ
|
-0.30% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.09%
+93.1% YoY
-89.4% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
80% |
| 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 ? |
0.48%
-7.7% YoY
+28.5% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#19 of 371 · Top 5% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (1)
Credit Quality Pressure
risk
#124 of 808 · Bottom 15% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
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
88
88th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.66%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.75% · Tier avg: 21.05%
48
48th pctile
Efficiency Ratio
Current: 62.89% · Tier avg: 62.63%
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Loan-to-Deposit Ratio
Current: 74.40% · Tier avg: 83.06%
7
7th pctile
Total Loans
Current: $337.1M · Tier avg: $975.5M
6
6th pctile
Total Deposits
Current: $453.1M · Tier avg: $1.2B
0
0th pctile
Total Assets
Current: $502.4M · Tier avg: $1.4B
Top Weaknesses
0
0th pctile
Total Assets
Current: $502.4M · Tier avg: $1.4B
6
6th pctile
Total Deposits
Current: $453.1M · Tier avg: $1.2B
7
7th pctile
Total Loans
Current: $337.1M · Tier avg: $975.5M
27
27th pctile
Loan-to-Deposit Ratio
Current: 74.40% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
48
48th pctile
Efficiency Ratio
Current: 62.89% · Tier avg: 62.63%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.75% · Tier avg: 21.05%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
78
78th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
88
88th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.66%