Bank of Alapaha
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
$251.0MAssets
$126.7MLoans
$230.0MDeposits
$19.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 83% of banks under $1B in assets in GA (rank 12 of 58).
- Widest gap: equity / assets trails 93% of banks under $1B in assets in GA (rank 55 of 59).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.1M · efficiency ratio beats 19% 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 | 0.65% | 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 |