Community Bank & Trust - West Georgia
Lagrange, GA · Cert 25796 · Peer group: banks under $1B in assets in GA (n=59-60)
FDIC · 3 branches
Q1 2026
$292.6MAssets
$190.6MLoans
$286.6MDeposits
$3.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 7% of banks under $1B in assets in GA (rank 57 of 60).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in GA (rank 60 of 60).
- Overall: at or above the peer median on 0 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 7% 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 | -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 |