Georgia Community Bank
Albany, GA · Cert 35320 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Georgia Community Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$375.0MAssets
$255.4MLoans
$321.7MDeposits
$50.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 88% of banks under $1B in assets operating in a single state (rank 87 of 746).
- Widest gap: net charge-offs / loans trails 78% of banks under $1B in assets operating in a single state (rank 580 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.43%
Rank 194 of 746
Net Interest Margin
4.53%
Rank 87 of 746
Efficiency Ratio
62.13%
Rank 323 of 746
Equity / Assets
13.40%
Rank 166 of 746
Non-interest income vs. expense
Unfavorable gap of $10.2M · efficiency ratio beats 57% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.72% | 1.06% | 1.45% | Beats 74% | 194 / 746 | | |
| Return on Equity | 10.70% | 6.74% | 10.51% | 13.63% | Beats 52% | 359 / 746 | | |
| Net Interest Margin | 4.53% | 3.17% | 3.68% | 4.16% | Beats 88% | 87 / 746 | | |
| Efficiency Ratio | 62.13% | 55.74% | 64.58% | 75.47% | Beats 57% | 323 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.25% | 0.09% | 0.42% | 1.07% | Beats 22% | 584 / 743 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 22% | 580 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.67% | 11.55% | 13.75% | 17.60% | Beats 49% | 377 / 746 | | |
| Total Risk-Based Capital Ratio | 13.67% | 11.71% | 14.33% | 18.43% | Beats 44% | 417 / 746 | | |
| Equity / Assets | 13.40% | 8.90% | 10.51% | 13.06% | Beats 78% | 166 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.41% | 61.31% | 78.27% | 90.78% | 52nd pctl | 358 / 746 | | |
| Loans / Assets | 68.12% | 53.60% | 66.97% | 76.08% | 53rd pctl | 353 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |