BlastPoint's Banking Scorecard
First Bank of Pike
Micro
Specialty: Commercial
GA
FDIC cert 9070
Designations: ✓ Community bank
Molena, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
First Bank of Pike shows strong momentum with 2 strengths and 16.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.08% above tier
- + Non-Interest Income / Assets 0.64% 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 ? |
$85.9M
+16.0% YoY
-0.6% QoQ
|
-$131.6M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$53.7M
+13.2% YoY
+1.7% QoQ
|
-$85.5M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$76.8M
+15.8% YoY
-0.7% QoQ
|
-$106.8M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.10%
+10.6% YoY
-6.2% QoQ
|
+0.01% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
5.94%
-0.2% YoY
+0.5% QoQ
|
+2.08% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
77.37%
-3.5% YoY
+0.9% QoQ
|
+9.65% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
1.25%
-9.4% YoY
+0.8% QoQ
|
+0.61% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
69.90%
-2.2% YoY
+2.4% QoQ
|
-4.63% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
33.65%
-6.6% YoY
+1.6% QoQ
|
+11.26% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.78%
-11.5% YoY
+3.0% QoQ
|
+0.33% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
15.64%
-6.9% YoY
+0.8% QoQ
|
+6.79% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
1.21%
+5.8% YoY
+37.9% QoQ
|
+0.64% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.94%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.21%
(Tier avg: 0.56%, National avg: 0.65%)
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
98
98th pctile
Net Interest Margin
Current: 5.94% · Tier avg: 3.85%
94
94th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 0.56%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.65% · Tier avg: 22.39%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.64% · Tier avg: 8.85%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
39
39th pctile
Loan-to-Deposit Ratio
Current: 69.90% · Tier avg: 74.53%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.45%
24
24th pctile
Efficiency Ratio
Current: 77.37% · Tier avg: 67.73%
23
23th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.64%
22
22th pctile
Total Loans
Current: $53.7M · Tier avg: $139.2M
20
20th pctile
Total Deposits
Current: $76.8M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $85.9M · Tier avg: $217.5M
Top Weaknesses
18
18th pctile
Total Assets
Current: $85.9M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $76.8M · Tier avg: $183.7M
22
22th pctile
Total Loans
Current: $53.7M · Tier avg: $139.2M
23
23th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.64%
24
24th pctile
Efficiency Ratio
Current: 77.37% · Tier avg: 67.73%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.45%
39
39th pctile
Loan-to-Deposit Ratio
Current: 69.90% · Tier avg: 74.53%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.64% · Tier avg: 8.85%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.65% · Tier avg: 22.39%
94
94th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 0.56%
98
98th pctile
Net Interest Margin
Current: 5.94% · Tier avg: 3.85%