Four County Bank, The
Allentown, GA · Cert 15904 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Four County Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$87.1MAssets
$59.8MLoans
$75.4MDeposits
$11.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 91% of banks under $1B in assets operating in a single state (rank 69 of 746).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets operating in a single state (rank 697 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.56%
Rank 152 of 746
Net Interest Margin
4.66%
Rank 69 of 746
Efficiency Ratio
56.34%
Rank 200 of 746
Equity / Assets
12.95%
Rank 194 of 746
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 73% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.56% | 0.72% | 1.06% | 1.45% | Beats 80% | 152 / 746 | |
| Return on Equity | 12.08% | 6.74% | 10.51% | 13.63% | Beats 64% | 268 / 746 | |
| Net Interest Margin | 4.66% | 3.17% | 3.68% | 4.16% | Beats 91% | 69 / 746 | |
| Efficiency Ratio | 56.34% | 55.74% | 64.58% | 75.47% | Beats 73% | 200 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.09% | 0.42% | 1.07% | Beats 39% | 457 / 743 | |
| Net Charge-Offs / Loans | 0.24% | 0.00% | 0.01% | 0.05% | Beats 6% | 697 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.83% | 11.55% | 13.75% | 17.60% | Beats 50% | 370 / 746 | |
| Total Risk-Based Capital Ratio | 13.83% | 11.71% | 14.33% | 18.43% | Beats 45% | 412 / 746 | |
| Equity / Assets | 12.95% | 8.90% | 10.51% | 13.06% | Beats 74% | 194 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 79.30% | 61.31% | 78.27% | 90.78% | 52nd pctl | 360 / 746 | |
| Loans / Assets | 68.65% | 53.60% | 66.97% | 76.08% | 54th pctl | 344 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |