Richmond Hill, GA · Cert 16780 · Great Oaks Finl Holdings Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
63
Profitability
40
Liquidity
93
Efficiency
31
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Richmond Hill, GA · Cert 16780 · Great Oaks Finl Holdings Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Savannah, GA · 2026 SOD (annual) · 1.9% share · #14 of 24 inst. · $0.2B of $9.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.15% | 1.23% | 1.28% | 1.26% | 1.26% | 1.07% | 1.12% | -17 bps | |
| Return on Equity | 15.21% | 14.97% | 15.28% | 15.95% | 15.65% | 14.89% | 11.16% | 11.57% | -439 bps | |
| Net Interest Margin | 4.15% | 4.15% | 4.42% | 4.42% | 4.37% | 4.35% | 4.34% | 4.22% | -20 bps | |
| Efficiency Ratio | 65.07% | 65.51% | 62.66% | 62.48% | 63.45% | 64.50% | 68.63% | 68.60% | +612 bps | |
| Non-Interest Burden | 2.55% | 2.57% | 2.56% | 2.56% | 2.60% | 2.65% | 2.84% | 2.76% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.82% | 6.50% | 1.27% | 3.59% | 7.14% | 6.43% | 11.17% | 6.66% | +308 bps | |
| Loan Growth (YoY) | 25.46% | 18.38% | 21.05% | 8.78% | 5.77% | 10.23% | 5.21% | 3.42% | -536 bps | |
| Deposit Growth (YoY) | 18.96% | 6.29% | -0.24% | 3.01% | 6.29% | 3.83% | 9.60% | 4.57% | +155 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.04% | 0.04% | 0.04% | 0.00% | 0.01% | 0.03% | 0.10% | +6 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.02% | 0.00% | 0.00% | -0.01% | -0.05% | -0.01% | -1 bps | |
| Allowance / Loans | 1.57% | 1.60% | 1.54% | 1.62% | 1.69% | 1.54% | 1.49% | 1.46% | -16 bps | |
| Allowance Coverage of NPLs | 11.6x | 37.5x | 42.4x | 40.3x | 557.8x | 304.1x | 54.6x | 14.0x | -26.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.12% | 9.27% | 9.37% | 9.45% | 9.37% | 10.61% | 10.38% | 10.25% | +80 bps | |
| Total Risk-Based Capital | 13.55% | 13.55% | 13.20% | 14.53% | 14.02% | 15.50% | 14.66% | 15.03% | +50 bps | |
| Equity / Assets | 7.93% | 7.93% | 8.12% | 8.07% | 8.20% | 10.04% | 9.23% | 9.71% | +164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.13% | 73.41% | 78.94% | 75.15% | 71.77% | 77.93% | 75.78% | 74.33% | -83 bps | |
| Liquid Assets / Assets | 7.73% | 3.88% | 3.87% | 9.36% | 7.91% | 3.49% | 4.85% | 7.30% | -206 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 418% | 387% | 385% | n/a | n/a | |
Richmond Hill, GA · Cert 16780 · Peer group: banks under $1B in assets in GA (n=58-59) · Great Oaks Finl Holdings Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.10%
Rank 42 of 59
Net Interest Margin
4.22%
Rank 32 of 59
Efficiency Ratio
68.60%
Rank 42 of 59
Equity / Assets
9.71%
Rank 41 of 59
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.94% | 1.46% | 1.76% | Beats 29% | 42 / 59 | ||
| Return on Equity | 11.31% | 7.92% | 11.60% | 15.10% | Beats 44% | 33 / 59 | ||
| Net Interest Margin | 4.22% | 3.66% | 4.24% | 4.75% | Beats 46% | 32 / 59 | ||
| Efficiency Ratio | 68.60% | 51.87% | 60.25% | 70.24% | Beats 31% | 42 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.10% | 0.36% | 0.89% | Beats 72% | 17 / 58 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 53% | 28 / 58 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.78% | 11.93% | 15.65% | 21.05% | Beats 37% | 37 / 59 | ||
| Total Risk-Based Capital Ratio | 15.03% | 12.05% | 15.77% | 22.26% | Beats 41% | 35 / 59 | ||
| Equity / Assets | 9.71% | 9.10% | 11.51% | 14.32% | Beats 31% | 41 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.33% | 59.62% | 72.81% | 85.44% | 52nd pctl | 28 / 58 | ||
| Loans / Assets | 65.94% | 49.55% | 64.39% | 73.73% | 54th pctl | 27 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||