Queensborough National Bank & Trust Company
Louisville, GA · Cert 2138 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Queensborough Co. the
National charter · OCC · 25 branches
Q2 2026
$2.3BAssets
$1.4BLoans
$2.1BDeposits
$179.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 67% of banks $1B-$10B in assets operating in a single state (rank 85 of 258).
- Widest gap: equity / assets trails 93% of banks $1B-$10B in assets operating in a single state (rank 239 of 258).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.09%
Rank 157 of 258
Net Interest Margin
3.59%
Rank 109 of 258
Efficiency Ratio
65.31%
Rank 173 of 257
Equity / Assets
7.88%
Rank 239 of 258
Non-interest income vs. expense
Unfavorable gap of $47.5M · efficiency ratio beats 33% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.93% | 1.23% | 1.54% | Beats 39% | 157 / 258 | | |
| Return on Equity | 13.88% | 9.26% | 11.84% | 14.74% | Beats 67% | 85 / 258 | | |
| Net Interest Margin | 3.59% | 3.16% | 3.49% | 3.88% | Beats 58% | 109 / 258 | | |
| Efficiency Ratio | 65.31% | 51.71% | 60.30% | 69.65% | Beats 33% | 173 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.19% | 0.46% | 0.90% | Beats 35% | 168 / 258 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 48% | 134 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.36% | 11.41% | 12.98% | 15.12% | Beats 39% | 158 / 258 | | |
| Total Risk-Based Capital Ratio | 13.35% | 12.10% | 13.91% | 16.08% | Beats 42% | 149 / 258 | | |
| Equity / Assets | 7.88% | 9.09% | 10.24% | 11.72% | Beats 7% | 239 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.32% | 73.24% | 86.34% | 95.95% | 17th pctl | 214 / 258 | | |
| Loans / Assets | 61.50% | 63.01% | 72.27% | 78.40% | 22nd pctl | 202 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |