Northeast Georgia Bank
Lavonia, GA · Cert 15771 · Peer group: banks under $1B in assets in GA (n=58-59) · First Security Bankshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$650.6MAssets
$338.0MLoans
$562.9MDeposits
$81.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets in GA (rank 3 of 59).
- Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets in GA (rank 44 of 58).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.12%
Rank 5 of 59
Net Interest Margin
4.36%
Rank 28 of 59
Efficiency Ratio
42.39%
Rank 3 of 59
Equity / Assets
12.47%
Rank 24 of 59
Non-interest income vs. expense
Unfavorable gap of $10.4M · efficiency ratio beats 97% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.12% | 0.94% | 1.46% | 1.76% | Beats 92% | 5 / 59 | |
| Return on Equity | 17.03% | 7.92% | 11.60% | 15.10% | Beats 88% | 7 / 59 | |
| Net Interest Margin | 4.36% | 3.66% | 4.24% | 4.75% | Beats 51% | 28 / 59 | |
| Efficiency Ratio | 42.39% | 51.87% | 60.25% | 70.24% | Beats 97% | 3 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.10% | 0.36% | 0.89% | Beats 93% | 5 / 58 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.05% | Beats 26% | 44 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 13.41% | 11.93% | 15.65% | 21.05% | Beats 34% | 39 / 59 | |
| Total Risk-Based Capital Ratio | 13.41% | 12.05% | 15.77% | 22.26% | Beats 32% | 40 / 59 | |
| Equity / Assets | 12.47% | 9.10% | 11.51% | 14.32% | Beats 59% | 24 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 60.04% | 59.62% | 72.81% | 85.44% | 28th pctl | 42 / 58 | |
| Loans / Assets | 51.95% | 49.55% | 64.39% | 73.73% | 31st pctl | 41 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |