Cartersville, GA · Cert 35236
FDIC · 2 branches
Q2 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2024, the quarter ended June 30, 2024, 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 the Atlanta-Sandy Springs-Roswell, GA area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
85
Profitability
51
Liquidity
1
Efficiency
75
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.
Cartersville, GA · Cert 35236
FDIC · 2 branches
Q2 2024
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2024 SOD (annual) · 0.1% share · #46 of 81 inst. · $0.2B of $236.7B
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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.14% | 1.40% | 1.44% | 1.56% | 1.48% | 1.28% | 1.31% | -12 bps | |
| Return on Equity | 19.28% | 20.36% | 25.77% | 25.22% | 26.68% | 24.21% | 18.83% | 19.18% | -604 bps | |
| Net Interest Margin | 2.54% | 2.68% | 3.19% | 3.32% | 3.33% | 3.23% | 2.73% | 2.75% | -57 bps | |
| Efficiency Ratio | 54.00% | 53.77% | 49.05% | 49.21% | 50.73% | 51.27% | 55.84% | 53.79% | +458 bps | |
| Non-Interest Burden | 1.15% | 1.23% | 1.35% | 1.40% | 1.45% | 1.42% | 1.32% | 1.27% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.73% | 3.62% | -0.97% | -6.21% | -8.55% | -9.95% | 5.57% | 10.82% | +1,703 bps | |
| Loan Growth (YoY) | -9.73% | -2.48% | 4.40% | 14.41% | 12.83% | 13.13% | 11.45% | 6.92% | -750 bps | |
| Deposit Growth (YoY) | 13.82% | 6.46% | -1.06% | -7.67% | -10.41% | -11.84% | -4.86% | -0.36% | +731 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.00% | -0.01% | -0.01% | 0.00% | 0.01% | -0.09% | -9 bps | |
| Allowance / Loans | 2.25% | 2.12% | 1.90% | 1.79% | 1.29% | 1.23% | 1.22% | 1.22% | -57 bps | |
| Allowance Coverage of NPLs | 44.8x | 409.8x | 753.3x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.27% | 8.53% | 8.96% | 9.61% | 10.40% | 10.63% | 9.83% | 9.73% | +13 bps | |
| Total Risk-Based Capital | 20.44% | 21.16% | 22.49% | 22.34% | 22.96% | 22.86% | 23.83% | 24.72% | +239 bps | |
| Equity / Assets | 4.62% | 5.16% | 5.74% | 6.21% | 6.35% | 7.16% | 6.50% | 6.90% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 34.45% | 35.31% | 37.72% | 41.65% | 43.38% | 45.32% | 44.19% | 44.70% | +304 bps | |
| Liquid Assets / Assets | 40.63% | 42.11% | 42.44% | 37.34% | 36.01% | 34.63% | 42.39% | 42.56% | +521 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Cartersville, GA · Cert 35236 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=23-24)
FDIC · 2 branches
Q2 2024
Return on Assets
1.26%
Rank 11 of 24
Net Interest Margin
2.75%
Rank 20 of 24
Efficiency Ratio
53.79%
Rank 7 of 24
Equity / Assets
6.90%
Rank 21 of 24
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 0.79% | 1.22% | 1.52% | Beats 54% | 11 / 24 | n/a | |
| Return on Equity | 18.33% | 9.24% | 14.23% | 17.58% | Beats 83% | 4 / 24 | n/a | |
| Net Interest Margin | 2.75% | 3.03% | 3.67% | 4.74% | Beats 17% | 20 / 24 | n/a | |
| Efficiency Ratio | 53.79% | 53.79% | 61.47% | 77.83% | Beats 75% | 7 / 24 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | n/a | 0.42% | 1.10% | Beats 100% | 7 / 23 | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.07% | Beats 70% | 9 / 23 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.47% | 13.46% | 16.99% | 18.69% | Beats 88% | 3 / 24 | n/a | |
| Total Risk-Based Capital Ratio | 24.72% | 14.71% | 18.18% | 19.86% | Beats 88% | 3 / 24 | n/a | |
| Equity / Assets | 6.90% | 8.27% | 10.27% | 12.90% | Beats 13% | 21 / 24 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.70% | 64.60% | 81.50% | 94.97% | 13th pctl | 21 / 24 | n/a | |
| Loans / Assets | 37.48% | 56.57% | 71.37% | 79.24% | 4th pctl | 22 / 23 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||