Bank of Newington
Newington, GA · Cert 5704 · Peer group: banks under $1B in assets in GA (n=58-59)
State charter, non-member · FDIC · 4 branches
Q2 2026
$333.8MAssets
$265.0MLoans
$301.1MDeposits
$29.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in GA (rank 10 of 58).
- Widest gap: tier 1 capital ratio trails 81% of banks under $1B in assets in GA (rank 48 of 59).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.46%
Rank 30 of 59
Net Interest Margin
4.65%
Rank 20 of 59
Efficiency Ratio
59.55%
Rank 27 of 59
Equity / Assets
8.91%
Rank 46 of 59
Non-interest income vs. expense
Unfavorable gap of $8.8M · efficiency ratio beats 56% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.94% | 1.46% | 1.76% | Beats 49% | 30 / 59 | | |
| Return on Equity | 16.40% | 7.92% | 11.60% | 15.10% | Beats 81% | 11 / 59 | | |
| Net Interest Margin | 4.65% | 3.66% | 4.24% | 4.75% | Beats 66% | 20 / 59 | | |
| Efficiency Ratio | 59.55% | 51.87% | 60.25% | 70.24% | Beats 56% | 27 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.10% | 0.36% | 0.89% | Beats 41% | 35 / 58 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 10 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 11.35% | 11.93% | 15.65% | 21.05% | Beats 19% | 48 / 59 | | |
| Total Risk-Based Capital Ratio | 12.61% | 12.05% | 15.77% | 22.26% | Beats 29% | 42 / 59 | | |
| Equity / Assets | 8.91% | 9.10% | 11.51% | 14.32% | Beats 22% | 46 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.01% | 59.62% | 72.81% | 85.44% | 83rd pctl | 10 / 58 | | |
| Loans / Assets | 79.40% | 49.55% | 64.39% | 73.73% | 86th pctl | 8 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |