Sandersville, GA · Cert 2154 · GDW Bankshares Inc.
State charter, non-member · FDIC · 1 branch
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
78
Asset Quality
14
Profitability
51
Liquidity
73
Efficiency
20
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.
Sandersville, GA · Cert 2154 · GDW Bankshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.22% | 1.20% | 1.16% | 1.18% | 1.17% | 1.24% | 1.21% | 1.10% | -8 bps | |
| Return on Equity | 12.87% | 12.30% | 10.63% | 10.66% | 10.34% | 10.69% | 9.88% | 8.87% | -180 bps | |
| Net Interest Margin | 5.04% | 5.15% | 5.04% | 5.21% | 5.28% | 5.39% | 5.22% | 5.28% | +7 bps | |
| Efficiency Ratio | 71.71% | 72.83% | 73.23% | 72.88% | 73.10% | 72.70% | 73.43% | 75.61% | +273 bps | |
| Non-Interest Burden | 3.47% | 3.61% | 3.50% | 3.62% | 3.69% | 3.74% | 3.66% | 3.83% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.14% | -7.04% | -10.35% | -4.58% | -6.10% | -3.36% | 1.67% | -5.39% | -81 bps | |
| Loan Growth (YoY) | -6.20% | -6.02% | -4.37% | -1.38% | 0.41% | 2.30% | -4.08% | -5.15% | -376 bps | |
| Deposit Growth (YoY) | -2.35% | -8.85% | -13.04% | -6.69% | -7.96% | -5.32% | 1.07% | -6.70% | -1 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.41% | 1.30% | 1.30% | 1.29% | 1.40% | 1.16% | 1.38% | 1.27% | -2 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.06% | 0.09% | 0.04% | 0.08% | 0.10% | 0.07% | 0.23% | +19 bps | |
| Allowance / Loans | 1.41% | 1.41% | 1.41% | 1.43% | 1.46% | 1.40% | 1.50% | 1.42% | -1 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.1x | 1.1x | 1.0x | 1.2x | 1.1x | 1.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.88% | 11.38% | 11.47% | 11.95% | 12.41% | 12.67% | 12.34% | 13.01% | +106 bps | |
| Total Risk-Based Capital | 20.74% | 21.32% | 21.26% | 21.51% | 22.63% | 22.54% | 23.27% | 23.99% | +248 bps | |
| Equity / Assets | 10.43% | 10.86% | 10.98% | 11.39% | 12.07% | 12.64% | 11.81% | 12.92% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.94% | 61.76% | 62.39% | 64.71% | 64.30% | 66.72% | 59.21% | 65.79% | +108 bps | |
| Liquid Assets / Assets | 11.83% | 10.96% | 12.52% | 10.65% | 9.04% | 7.06% | 13.55% | 8.42% | -223 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 77.20% | 78.84% | 71.82% | n/a | n/a | |
Sandersville, GA · Cert 2154 · Peer group: banks under $1B in assets in GA (n=58-59) · GDW Bankshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.14%
Rank 41 of 59
Net Interest Margin
5.28%
Rank 4 of 59
Efficiency Ratio
75.61%
Rank 48 of 59
Equity / Assets
12.92%
Rank 22 of 59
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.94% | 1.46% | 1.76% | Beats 31% | 41 / 59 | ||
| Return on Equity | 8.86% | 7.92% | 11.60% | 15.10% | Beats 29% | 42 / 59 | ||
| Net Interest Margin | 5.28% | 3.66% | 4.24% | 4.75% | Beats 93% | 4 / 59 | ||
| Efficiency Ratio | 75.61% | 51.87% | 60.25% | 70.24% | Beats 20% | 48 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.27% | 0.10% | 0.36% | 0.89% | Beats 19% | 48 / 58 | ||
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.02% | 0.05% | Beats 9% | 54 / 58 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.74% | 11.93% | 15.65% | 21.05% | Beats 85% | 9 / 59 | ||
| Total Risk-Based Capital Ratio | 23.99% | 12.05% | 15.77% | 22.26% | Beats 85% | 9 / 59 | ||
| Equity / Assets | 12.92% | 9.10% | 11.51% | 14.32% | Beats 63% | 22 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.79% | 59.62% | 72.81% | 85.44% | 36th pctl | 37 / 58 | ||
| Loans / Assets | 56.33% | 49.55% | 64.39% | 73.73% | 39th pctl | 36 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||