Rabun County Bank
Clayton, GA · Cert 22138 · Peer group: banks under $1B in assets in GA (n=58-59) · Liberty Bcorp of Georgia Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$361.5MAssets
$233.9MLoans
$321.3MDeposits
$37.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in GA (rank 10 of 58).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in GA (rank 55 of 59).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.65%
Rank 19 of 59
Net Interest Margin
3.94%
Rank 37 of 59
Efficiency Ratio
51.46%
Rank 13 of 59
Equity / Assets
10.35%
Rank 33 of 59
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 80% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.65% | 0.94% | 1.46% | 1.76% | Beats 68% | 19 / 59 | | |
| Return on Equity | 15.97% | 7.92% | 11.60% | 15.10% | Beats 78% | 13 / 59 | | |
| Net Interest Margin | 3.94% | 3.66% | 4.24% | 4.75% | Beats 37% | 37 / 59 | | |
| Efficiency Ratio | 51.46% | 51.87% | 60.25% | 70.24% | Beats 80% | 13 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.10% | 0.36% | 0.89% | Beats 86% | 9 / 58 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 10 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 10.49% | 11.93% | 15.65% | 21.05% | Beats 10% | 53 / 59 | | |
| Total Risk-Based Capital Ratio | 10.49% | 12.05% | 15.77% | 22.26% | Beats 7% | 55 / 59 | | |
| Equity / Assets | 10.35% | 9.10% | 11.51% | 14.32% | Beats 44% | 33 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.81% | 59.62% | 72.81% | 85.44% | 50th pctl | 29 / 58 | | |
| Loans / Assets | 64.71% | 49.55% | 64.39% | 73.73% | 51st pctl | 29 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |