Community Banking Company
Fitzgerald, GA · Cert 34160 · Peer group: banks under $1B in assets in GA (n=58-59) · CBC Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
$297.3MAssets
$174.7MLoans
$259.9MDeposits
$35.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 73% of banks under $1B in assets in GA (rank 17 of 59).
- Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets in GA (rank 50 of 59).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.68%
Rank 17 of 59
Net Interest Margin
3.93%
Rank 38 of 59
Efficiency Ratio
53.12%
Rank 17 of 59
Equity / Assets
11.87%
Rank 28 of 59
Non-interest income vs. expense
Unfavorable gap of $5.2M · efficiency ratio beats 73% 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 | 1.68% | 0.94% | 1.46% | 1.76% | Beats 71% | 17 / 59 | | |
| Return on Equity | 14.18% | 7.92% | 11.60% | 15.10% | Beats 66% | 20 / 59 | | |
| Net Interest Margin | 3.93% | 3.66% | 4.24% | 4.75% | Beats 36% | 38 / 59 | | |
| Efficiency Ratio | 53.12% | 51.87% | 60.25% | 70.24% | Beats 73% | 17 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.10% | 0.36% | 0.89% | Beats 36% | 38 / 58 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.05% | Beats 29% | 42 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 11.26% | 11.93% | 15.65% | 21.05% | Beats 17% | 49 / 59 | | |
| Total Risk-Based Capital Ratio | 11.26% | 12.05% | 15.77% | 22.26% | Beats 15% | 50 / 59 | | |
| Equity / Assets | 11.87% | 9.10% | 11.51% | 14.32% | Beats 53% | 28 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.23% | 59.62% | 72.81% | 85.44% | 40th pctl | 35 / 58 | | |
| Loans / Assets | 58.78% | 49.55% | 64.39% | 73.73% | 41st pctl | 35 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |