PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Great Oaks Bank

Richmond Hill, GA · Cert 16780 · Great Oaks Finl Holdings Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$422.0MAssets
$278.3MLoans
$374.4MDeposits
$41.0MEquity
Loan mix
87%RE $249.4M9%C&I $25.4M4%Consumer $11.1MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $285.6M24%Noninterest $88.8MQ2 2025Q2 2026

NIM

6.06%Q2 ’246.07%Q2 ’255.76%Q2 ’26+6%-5%

Non-interest income vs. expense

2.97%Q2 ’243.09%Q2 ’253.20%Q2 ’26+1%+8%

Market Position · Savannah, GA · 2026 SOD (annual) · 1.9% share · #14 of 24 inst. · $0.2B of $9.5B

49.1% Dodge
13.4% Bryan
1.0% Chatham
9.6% Bleckley

Executive Summary

  • Earnings: ROA of 1.12%, down 17 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.10% of loans (+6 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.25%, up 80 bps from a year ago.
  • Funding: loans stand at 74.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%-17 bps YoY

Net Interest Margin (YTD, annualized)

4.22%-20 bps YoY

Efficiency Ratio (YTD, annualized)

68.60%+612 bps YoY

Tier 1 Leverage Ratio

10.25%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.26%1.26%1.07%1.12%-17 bps
Return on Equity15.95%15.65%14.89%11.16%11.57%-439 bps
Net Interest Margin4.42%4.37%4.35%4.34%4.22%-20 bps
Efficiency Ratio62.48%63.45%64.50%68.63%68.60%+612 bps
Non-Interest Burden2.56%2.60%2.65%2.84%2.76%+19 bps
Growth
Asset Growth (YoY)3.59%7.14%6.43%11.17%6.66%+308 bps
Loan Growth (YoY)8.78%5.77%10.23%5.21%3.42%-536 bps
Deposit Growth (YoY)3.01%6.29%3.83%9.60%4.57%+155 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.00%0.01%0.03%0.10%+6 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%-0.05%-0.01%-1 bps
Allowance / Loans1.62%1.69%1.54%1.49%1.46%-16 bps
Allowance Coverage of NPLs40.3x557.8x304.1x54.6x14.0x-26.3x
Capital
Tier 1 Leverage Ratio9.45%9.37%10.61%10.38%10.25%+80 bps
Total Risk-Based Capital14.53%14.02%15.50%14.66%15.03%+50 bps
Equity / Assets8.07%8.20%10.04%9.23%9.71%+164 bps
Liquidity & Funding
Loans / Deposits75.15%71.77%77.93%75.78%74.33%-83 bps
Liquid Assets / Assets9.36%7.91%3.49%4.85%7.30%-206 bps
CRE / Total Capitaln/a418%387%385%n/an/a