Apex Banking Company of Georgia
Cleveland, GA · Cert 10074 · Peer group: banks under $1B in assets in GA (n=58-59)
State charter, non-member · FDIC · 2 branches
Q2 2026
$72.6MAssets
$45.3MLoans
$66.5MDeposits
$5.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of banks under $1B in assets in GA (rank 7 of 58).
- Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets in GA (rank 58 of 59).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.56%
Rank 52 of 59
Net Interest Margin
4.75%
Rank 15 of 59
Efficiency Ratio
84.55%
Rank 53 of 59
Equity / Assets
8.06%
Rank 53 of 59
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 12% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.94% | 1.46% | 1.76% | Beats 12% | 52 / 59 | | |
| Return on Equity | 6.94% | 7.92% | 11.60% | 15.10% | Beats 15% | 50 / 59 | | |
| Net Interest Margin | 4.75% | 3.66% | 4.24% | 4.75% | Beats 75% | 15 / 59 | | |
| Efficiency Ratio | 84.55% | 51.87% | 60.25% | 70.24% | Beats 12% | 53 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.10% | 0.36% | 0.89% | Beats 90% | 7 / 58 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 74% | 16 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 9.70% | 11.93% | 15.65% | 21.05% | Beats 2% | 58 / 59 | | |
| Total Risk-Based Capital Ratio | 9.70% | 12.05% | 15.77% | 22.26% | Beats 2% | 58 / 59 | | |
| Equity / Assets | 8.06% | 9.10% | 11.51% | 14.32% | Beats 10% | 53 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.17% | 59.62% | 72.81% | 85.44% | 43rd pctl | 33 / 58 | | |
| Loans / Assets | 62.42% | 49.55% | 64.39% | 73.73% | 46th pctl | 32 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |