Four County Bank, The
Allentown, GA · Cert 15904 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 70 of 755).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets operating in a single state (rank 702 of 751).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.56%
Rank 154 of 755
Net Interest Margin
4.66%
Rank 70 of 755
Efficiency Ratio
56.34%
Rank 200 of 755
Equity / Assets
12.95%
Rank 202 of 755
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 74% 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% | 154 / 755 | |
| Return on Equity | 12.08% | 6.66% | 10.44% | 13.61% | Beats 64% | 269 / 755 | |
| Net Interest Margin | 4.66% | 3.15% | 3.68% | 4.17% | Beats 91% | 70 / 755 | |
| Efficiency Ratio | 56.34% | 55.75% | 64.78% | 75.61% | Beats 74% | 200 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.09% | 0.42% | 1.05% | Beats 38% | 463 / 751 | |
| Net Charge-Offs / Loans | 0.24% | 0.00% | 0.01% | 0.05% | Beats 7% | 702 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 13.83% | 11.56% | 13.81% | 17.74% | Beats 50% | 377 / 755 | |
| Total Risk-Based Capital Ratio | 13.83% | 11.72% | 14.46% | 18.53% | Beats 44% | 420 / 755 | |
| Equity / Assets | 12.95% | 8.93% | 10.56% | 13.13% | Beats 73% | 202 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 79.30% | 62.43% | 78.62% | 91.00% | 51st pctl | 371 / 755 | |
| Loans / Assets | 68.65% | 54.70% | 67.27% | 76.55% | 53rd pctl | 355 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |