First State Bank of Blakely: how it compares with its peers
Against 51 GA banks with half to twice its assets, First State Bank of Blakely's strongest measure in Q2 2026 is net interest margin (4.94% vs. a 4.50% peer median). Its weakest relative measure is assets per employee ($6.2M vs. $6.8M).
| Measure | First State Bank of Blakely | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.79% | 1.58% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.94% | 4.50% | Top third Ahead of 84% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.42% | 56.49% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $6.8M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.01% | 78.91% | Context |
What it means for lending operations
Its efficiency ratio of 51.42% is better than the 56.49% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Northeast Georgia Bank Lavonia, GA · $651M
- Community Bank of Pickens County Jasper, GA · $629M
- Southeastern Bank Darien, GA · $625M
- First Port City Bank Bainbridge, GA · $624M
- FNB SOUTH Alma, GA · $735M
- The Citizens Bank of Georgia Cumming, GA · $599M
Questions about First State Bank of Blakely
How big is First State Bank of Blakely?
First State Bank of Blakely, established in 1903, is headquartered in Blakely, GA. It reported $668M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is First State Bank of Blakely's return on assets?
1.79% annualized in Q2 2026, against a 1.58% median for 51 GA banks with half to twice its assets, ahead of 69% of them.
What is First State Bank of Blakely's efficiency ratio?
51.42% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 56.49%, and lower is better.
Is First State Bank of Blakely growing its loans?
Net loans shrank 1.1% over the year to Q2 2026, while deposits grew 2.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.