Geo. D. Warthen Bank, The
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
$190.3MAssets
$107.2MLoans
$162.9MDeposits
$24.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets in GA (rank 4 of 59).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in GA (rank 54 of 58).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $7.8M · efficiency ratio beats 20% 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 | 1.14% | 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 |