Bank of Wrightsville
Wrightsville, GA · Cert 5699 · Peer group: banks under $1B in assets in GA (n=61-62)
FDIC · 1 branch
Q4 2025
$98.2MAssets
$48.7MLoans
$88.6MDeposits
$8.8MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in GA (rank 45 of 61).
- Widest gap: total risk-based capital ratio trails 79% of banks under $1B in assets in GA (rank 49 of 62).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.53%
Rank 21 of 62
Net Interest Margin
3.78%
Rank 43 of 62
Efficiency Ratio
52.54%
Rank 14 of 62
Equity / Assets
8.98%
Rank 45 of 62
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 79% 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 | 1.53% | 0.80% | 1.35% | 1.59% | Beats 66% | 21 / 62 | |
| Return on Equity | 17.08% | 8.27% | 12.23% | 14.80% | Beats 90% | 6 / 62 | |
| Net Interest Margin | 3.78% | 3.33% | 4.17% | 4.64% | Beats 31% | 43 / 62 | |
| Efficiency Ratio | 52.54% | 53.85% | 60.45% | 70.19% | Beats 79% | 14 / 62 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.17% | 0.51% | 1.16% | Beats 92% | 6 / 61 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.21% | 11.74% | 15.08% | 20.01% | Beats 23% | 48 / 62 | |
| Total Risk-Based Capital Ratio | 11.21% | 12.04% | 15.68% | 21.23% | Beats 21% | 49 / 62 | |
| Equity / Assets | 8.98% | 8.90% | 11.03% | 13.44% | Beats 27% | 45 / 62 | |
| Liquidity & Funding |
| Loans / Deposits | 54.92% | 58.76% | 66.72% | 81.56% | 18th pctl | 50 / 61 | |
| Loans / Assets | 49.60% | 50.60% | 58.74% | 70.55% | 20th pctl | 49 / 61 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 0.58% | Beats 100% | 45 / 61 | |