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Community Bank of Pickens County

Jasper, GA · Cert 35513 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Community Banks of Georgia Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$628.6MAssets
$489.4MLoans
$537.8MDeposits
$86.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 1 of 20).
  • Widest gap: nonperforming loans / loans trails 79% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 16 of 19).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.37%

Rank 3 of 20

Net Interest Margin

4.50%

Rank 5 of 20

Efficiency Ratio

38.12%

Rank 1 of 20

Equity / Assets

13.69%

Rank 4 of 20

Non-interest income vs. expense

$2.9M$12.0MINCOMEEXPENSE
Unfavorable gap of $9.2M · efficiency ratio beats 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 38.12%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.37%1.08%1.42%1.85%Beats 85%3 / 20
Return on Equity17.30%9.57%13.48%17.30%Beats 75%5 / 20
Net Interest Margin4.50%3.38%3.99%4.50%Beats 75%5 / 20
Efficiency Ratio38.12%47.39%61.42%73.60%Beats 100%1 / 20
Asset Quality
Nonperforming Loans / Loans1.96%0.05%0.79%1.63%Beats 21%16 / 19
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%7 / 19
Capital
Tier 1 Capital Ratio18.94%13.64%16.79%19.57%Beats 70%6 / 20
Total Risk-Based Capital Ratio20.13%14.77%17.61%20.82%Beats 70%6 / 20
Equity / Assets13.69%9.66%10.94%13.62%Beats 80%4 / 20
Liquidity & Funding
Loans / Deposits90.99%70.35%84.66%95.83%70th pctl6 / 20
Loans / Assets77.86%62.58%72.89%77.86%75th pctl5 / 20
Brokered Deposits / Depositsn/aNot reported for this institution