Claxton Bank, The
Bellville, GA · Cert 15826 · Peer group: banks under $1B in assets operating regionally (n=94) · Southern Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$304.8MAssets
$215.4MLoans
$249.1MDeposits
$35.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 81% of banks under $1B in assets operating regionally (rank 18 of 94).
- Widest gap: return on equity trails 95% of banks under $1B in assets operating regionally (rank 89 of 94).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.32%
Rank 86 of 94
Net Interest Margin
3.75%
Rank 49 of 94
Efficiency Ratio
84.56%
Rank 80 of 94
Equity / Assets
11.68%
Rank 18 of 94
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 16% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.32% | 0.82% | 1.19% | 1.46% | Beats 9% | 86 / 94 | |
| Return on Equity | 2.73% | 7.85% | 11.84% | 14.03% | Beats 5% | 89 / 94 | |
| Net Interest Margin | 3.75% | 3.42% | 3.81% | 4.18% | Beats 48% | 49 / 94 | |
| Efficiency Ratio | 84.56% | 55.99% | 62.41% | 73.02% | Beats 16% | 80 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.51% | 0.19% | 0.47% | 1.14% | Beats 9% | 87 / 94 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 77% | 24 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 15.39% | 10.28% | 11.95% | 15.07% | Beats 78% | 21 / 94 | |
| Total Risk-Based Capital Ratio | 16.65% | 10.31% | 12.59% | 15.88% | Beats 79% | 20 / 94 | |
| Equity / Assets | 11.68% | 8.98% | 10.21% | 11.41% | Beats 81% | 18 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 86.44% | 72.62% | 84.44% | 94.55% | 55th pctl | 42 / 94 | |
| Loans / Assets | 70.66% | 62.50% | 72.84% | 78.99% | 44th pctl | 53 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |