Alapaha, GA · Cert 155 · Alapaha Holding Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
69
Profitability
20
Liquidity
33
Efficiency
19
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Alapaha, GA · Cert 155 · Alapaha Holding Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.51% | 0.65% | 0.73% | 0.77% | 0.73% | 0.66% | 0.65% | -8 bps | |
| Return on Equity | 7.76% | 7.68% | 9.64% | 10.65% | 10.86% | 10.20% | 8.66% | 8.56% | -208 bps | |
| Net Interest Margin | 3.12% | 2.95% | 3.16% | 3.26% | 3.29% | 3.21% | 3.22% | 3.28% | +1 bps | |
| Efficiency Ratio | 78.59% | 78.69% | 77.21% | 75.78% | 74.89% | 74.67% | 74.17% | 76.06% | +28 bps | |
| Non-Interest Burden | 2.39% | 2.27% | 2.35% | 2.38% | 2.38% | 2.31% | 2.31% | 2.42% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.53% | -1.23% | 4.83% | 8.07% | 9.96% | 5.10% | 5.14% | 5.68% | -239 bps | |
| Loan Growth (YoY) | 3.62% | 0.60% | -1.13% | 2.10% | -0.04% | 3.09% | 2.98% | 3.25% | +115 bps | |
| Deposit Growth (YoY) | -1.10% | -1.78% | 4.05% | 7.67% | 10.34% | 4.06% | 4.59% | 5.13% | -254 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.15% | 0.75% | 0.41% | 0.06% | 0.37% | 0.39% | 0.34% | -7 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | -0.02% | -0.01% | -0.01% | 0.02% | -0.15% | -0.11% | -10 bps | |
| Allowance / Loans | 2.32% | 2.47% | 2.52% | 2.39% | 2.34% | 2.38% | 2.47% | 2.35% | -4 bps | |
| Allowance Coverage of NPLs | 5.0x | 16.5x | 3.4x | 5.8x | 39.2x | 6.5x | 6.4x | 6.9x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.87% | 10.06% | 9.97% | 10.24% | 10.39% | 10.06% | 10.08% | 10.23% | -2 bps | |
| Total Risk-Based Capital | 19.78% | 19.58% | 20.17% | 20.04% | 20.73% | 20.69% | 21.20% | 20.76% | +72 bps | |
| Equity / Assets | 7.94% | 6.43% | 6.98% | 7.15% | 7.76% | 7.54% | 7.62% | 7.71% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.21% | 53.77% | 52.99% | 56.10% | 56.36% | 53.27% | 52.17% | 55.10% | -100 bps | |
| Liquid Assets / Assets | 4.88% | 14.72% | 17.19% | 14.92% | 13.96% | 16.64% | 20.56% | 18.30% | +338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 37.26% | 32.84% | 32.74% | n/a | n/a | |
Alapaha, GA · Cert 155 · Peer group: banks under $1B in assets in GA (n=58-59) · Alapaha Holding Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.65%
Rank 49 of 59
Net Interest Margin
3.28%
Rank 49 of 59
Efficiency Ratio
76.06%
Rank 49 of 59
Equity / Assets
7.71%
Rank 55 of 59
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.94% | 1.46% | 1.76% | Beats 17% | 49 / 59 | ||
| Return on Equity | 8.46% | 7.92% | 11.60% | 15.10% | Beats 27% | 43 / 59 | ||
| Net Interest Margin | 3.28% | 3.66% | 4.24% | 4.75% | Beats 17% | 49 / 59 | ||
| Efficiency Ratio | 76.06% | 51.87% | 60.25% | 70.24% | Beats 19% | 49 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.34% | 0.10% | 0.36% | 0.89% | Beats 55% | 27 / 58 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 83% | 12 / 58 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.50% | 11.93% | 15.65% | 21.05% | Beats 66% | 20 / 59 | ||
| Total Risk-Based Capital Ratio | 20.76% | 12.05% | 15.77% | 22.26% | Beats 68% | 19 / 59 | ||
| Equity / Assets | 7.71% | 9.10% | 11.51% | 14.32% | Beats 7% | 55 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.10% | 59.62% | 72.81% | 85.44% | 16th pctl | 49 / 58 | ||
| Loans / Assets | 50.49% | 49.55% | 64.39% | 73.73% | 25th pctl | 44 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||