North Georgia National Bank
Calhoun, GA · Cert 34662 · Peer group: banks under $1B in assets in GA (n=63-64)
FDIC · 3 branches
Q3 2025
$271.7MAssets
$178.7MLoans
$252.9MDeposits
$16.3MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in GA (rank 47 of 63).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in GA (rank 64 of 64).
- Overall: at or above the peer median on 2 of 10 directional measures.
Return on Assets
1.11%
Rank 45 of 64
Net Interest Margin
3.70%
Rank 44 of 64
Efficiency Ratio
61.14%
Rank 41 of 64
Equity / Assets
5.99%
Rank 61 of 64
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 37% 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 | 1.11% | 1.00% | 1.42% | 1.69% | Beats 30% | 45 / 64 | |
| Return on Equity | 18.59% | 9.71% | 12.77% | 16.36% | Beats 89% | 7 / 64 | |
| Net Interest Margin | 3.70% | 3.52% | 4.20% | 4.78% | Beats 31% | 44 / 64 | |
| Efficiency Ratio | 61.14% | 53.28% | 59.95% | 68.74% | Beats 37% | 41 / 64 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.12% | 0.47% | 1.09% | Beats 32% | 44 / 63 | |
| Net Charge-Offs / Loans | 0.17% | 0.01% | 0.03% | 0.10% | Beats 14% | 55 / 63 | |
| Capital |
| Tier 1 Capital Ratio | 9.01% | 12.05% | 15.28% | 20.08% | Beats 2% | 63 / 64 | |
| Total Risk-Based Capital Ratio | 9.01% | 12.50% | 15.97% | 21.21% | Beats 0% | 64 / 64 | |
| Equity / Assets | 5.99% | 8.57% | 10.52% | 13.65% | Beats 5% | 61 / 64 | |
| Liquidity & Funding |
| Loans / Deposits | 70.68% | 57.79% | 69.14% | 82.25% | 51st pctl | 31 / 63 | |
| Loans / Assets | 65.77% | 51.35% | 62.31% | 71.15% | 65th pctl | 22 / 63 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 0.58% | Beats 100% | 47 / 63 | |