Lagrange, GA · Cert 25796
FDIC · 3 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=59 to 60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
2
Profitability
1
Liquidity
91
Efficiency
7
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.
Lagrange, GA · Cert 25796
FDIC · 3 branches
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | -0.27% | 0.65% | 0.02% | 0.39% | 1.13% | 1.73% | -6.88% | -690 bps | |
| Return on Equity | 6.09% | -5.13% | 12.31% | 0.41% | 7.95% | 22.61% | 33.17% | -191.50% | -19,190 bps | |
| Net Interest Margin | 5.62% | 5.52% | 4.75% | 4.67% | 3.29% | 3.41% | 3.69% | 1.99% | -267 bps | |
| Efficiency Ratio | 82.14% | 87.09% | 73.03% | 79.30% | 53.73% | 60.48% | 62.38% | 92.38% | +1,308 bps | |
| Non-Interest Burden | 4.04% | 4.35% | 2.01% | 2.69% | -3.15% | -1.27% | -1.01% | 1.31% | -138 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 60.36% | 65.40% | 59.43% | 59.13% | 75.71% | 56.27% | 33.04% | 23.92% | -3,521 bps | |
| Loan Growth (YoY) | 112.16% | 128.07% | 85.78% | 68.43% | 92.14% | 20.37% | 10.65% | 2.28% | -6,614 bps | |
| Deposit Growth (YoY) | 56.37% | 60.17% | 55.44% | 45.53% | 61.32% | 56.52% | 31.97% | 42.60% | -294 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 6.78% | 8.10% | 13.50% | 12.83% | 13.35% | 8.38% | 10.15% | 17.28% | +445 bps | |
| Net Charge-Offs / Loans | 1.37% | 1.13% | 1.85% | 2.63% | 2.39% | 4.91% | 5.29% | 6.29% | +366 bps | |
| Allowance / Loans | 5.49% | 5.71% | 4.39% | 3.96% | 4.70% | 4.60% | 2.46% | 4.21% | +25 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.3x | 0.3x | 0.4x | 0.5x | 0.2x | 0.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.80% | 8.23% | 8.04% | 7.33% | 5.59% | 5.49% | 6.70% | 0.16% | -717 bps | |
| Total Risk-Based Capital | 13.15% | 11.89% | 10.75% | 9.50% | 7.64% | 9.79% | 9.68% | 1.49% | -801 bps | |
| Equity / Assets | 5.86% | 5.79% | 5.08% | 5.36% | 4.37% | 5.30% | 5.91% | 1.31% | -406 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.23% | 89.91% | 84.89% | 92.70% | 101.51% | 69.14% | 71.17% | 66.50% | -2,621 bps | |
| Liquid Assets / Assets | 11.29% | 7.91% | 12.19% | 12.19% | 3.62% | 14.09% | 10.61% | 15.71% | +352 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 504% | 446% | n/a | n/a | |
Lagrange, GA · Cert 25796 · Peer group: banks under $1B in assets in GA (n=59-60)
FDIC · 3 branches
Q1 2026
Return on Assets
-6.83%
Rank 60 of 60
Net Interest Margin
1.99%
Rank 58 of 60
Efficiency Ratio
92.61%
Rank 57 of 60
Equity / Assets
1.31%
Rank 60 of 60
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -6.83% | 0.96% | 1.45% | 1.69% | Beats 0% | 60 / 60 | ||
| Return on Equity | -522% | 7.50% | 11.92% | 15.08% | Beats 0% | 60 / 60 | ||
| Net Interest Margin | 1.99% | 3.54% | 4.20% | 4.70% | Beats 3% | 58 / 60 | ||
| Efficiency Ratio | 92.61% | 54.20% | 60.72% | 74.94% | Beats 7% | 57 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 17.28% | 0.10% | 0.46% | 1.37% | Beats 2% | 59 / 59 | ||
| Net Charge-Offs / Loans | 1.58% | 0.00% | 0.00% | 0.02% | Beats 2% | 59 / 59 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 0.19% | 11.47% | 14.40% | 20.41% | Beats 0% | 60 / 60 | ||
| Total Risk-Based Capital Ratio | 1.49% | 12.06% | 15.26% | 21.68% | Beats 0% | 60 / 60 | ||
| Equity / Assets | 1.31% | 8.84% | 11.00% | 13.57% | Beats 0% | 60 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.50% | 58.35% | 68.65% | 80.61% | 44th pctl | 33 / 59 | ||
| Loans / Assets | 65.15% | 50.44% | 60.10% | 71.56% | 57th pctl | 26 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||