Jasper, GA · Cert 35513 · Community Banks of Georgia Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #31 of 81 inst. · $0.5B of $255.1B
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.28% | 2.24% | 2.48% | 2.73% | 2.68% | 2.58% | 2.28% | 2.35% | -37 bps | |
| Return on Equity | 18.41% | 18.05% | 19.48% | 20.89% | 20.50% | 19.69% | 17.12% | 17.49% | -340 bps | |
| Net Interest Margin | 4.66% | 4.53% | 5.23% | 5.05% | 4.96% | 4.86% | 4.38% | 4.50% | -54 bps | |
| Efficiency Ratio | 39.51% | 40.14% | 39.73% | 36.54% | 35.98% | 35.45% | 38.42% | 38.12% | +158 bps | |
| Non-Interest Burden | 1.57% | 1.56% | 1.87% | 1.39% | 1.38% | 1.37% | 1.35% | 1.44% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | 6.40% | 7.59% | 8.50% | 9.57% | 8.06% | 7.50% | 5.62% | -288 bps | |
| Loan Growth (YoY) | 14.67% | 13.87% | 9.16% | 10.35% | 7.77% | 7.54% | 8.66% | 7.74% | -261 bps | |
| Deposit Growth (YoY) | 2.30% | 5.25% | 6.78% | 7.43% | 8.93% | 7.50% | 6.95% | 5.77% | -166 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.03% | 2.90% | 1.32% | 1.24% | 1.20% | 2.11% | 2.12% | 1.96% | +72 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.27% | -0.02% | -0.04% | -4 bps | |
| Allowance / Loans | 1.25% | 1.23% | 1.26% | 1.25% | 1.30% | 1.13% | 1.14% | 1.12% | -13 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 1.0x | 1.0x | 1.1x | 0.5x | 0.5x | 0.6x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.75% | 12.81% | 13.18% | 13.74% | 13.21% | 13.42% | 13.64% | 13.55% | -19 bps | |
| Total Risk-Based Capital | 19.02% | 19.32% | 20.64% | 20.72% | 20.57% | 20.29% | 20.79% | 20.13% | -59 bps | |
| Equity / Assets | 12.54% | 12.55% | 12.94% | 13.69% | 13.06% | 13.17% | 13.51% | 13.69% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.07% | 86.27% | 85.06% | 89.33% | 86.14% | 86.30% | 86.42% | 90.99% | +166 bps | |
| Liquid Assets / Assets | 14.78% | 12.66% | 14.68% | 11.00% | 13.67% | 11.35% | 10.96% | 5.17% | -583 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 421% | 425% | 410% | n/a | n/a | |