Great Oaks Bank
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
$422.0MAssets
$278.3MLoans
$374.4MDeposits
$41.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of banks under $1B in assets in GA (rank 17 of 58).
- Widest gap: return on assets trails 71% of banks under $1B in assets in GA (rank 42 of 59).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $11.6M · efficiency ratio beats 31% 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 | 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 |