Atlanta, GA · Cert 57071 · Georgia Banking Co. Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
43
Profitability
48
Liquidity
85
Efficiency
34
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Atlanta, GA · Cert 57071 · Georgia Banking Co. Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 1.1% share · #14 of 81 inst. · $2.9B 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 | 0.46% | 0.57% | 0.07% | 0.69% | 0.88% | 0.99% | 1.25% | 1.05% | +36 bps | |
| Return on Equity | 5.30% | 6.82% | 0.81% | 7.86% | 9.91% | 10.93% | 12.83% | 10.81% | +296 bps | |
| Net Interest Margin | 3.70% | 3.50% | 4.00% | 3.90% | 3.97% | 3.97% | 4.37% | 4.14% | +24 bps | |
| Efficiency Ratio | 73.12% | 71.47% | 87.41% | 72.53% | 68.03% | 65.93% | 59.10% | 64.03% | -851 bps | |
| Non-Interest Burden | 2.62% | 2.42% | 3.45% | 2.72% | 2.60% | 2.51% | 2.40% | 2.49% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.55% | 29.04% | 44.04% | 40.65% | 30.70% | 19.30% | 8.17% | 25.78% | -1,487 bps | |
| Loan Growth (YoY) | 36.68% | 37.60% | 40.39% | 47.55% | 27.19% | 23.19% | 11.52% | 15.37% | -3,218 bps | |
| Deposit Growth (YoY) | 22.20% | 25.87% | 42.81% | 35.49% | 30.57% | 26.92% | 10.83% | 37.94% | +244 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.89% | 0.43% | 0.59% | 0.54% | 0.57% | 0.66% | 0.79% | 0.67% | +13 bps | |
| Net Charge-Offs / Loans | 0.39% | 0.29% | 0.00% | 0.00% | 0.05% | 0.04% | 0.17% | 0.08% | +7 bps | |
| Allowance / Loans | 1.10% | 1.13% | 1.19% | 1.11% | 1.11% | 1.15% | 1.08% | 1.12% | +1 bps | |
| Allowance Coverage of NPLs | 1.2x | 2.6x | 2.0x | 2.1x | 2.0x | 1.7x | 1.4x | 1.7x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.75% | 8.22% | 10.07% | 9.33% | 9.33% | 9.37% | 10.15% | 10.78% | +145 bps | |
| Total Risk-Based Capital | 11.01% | 11.19% | 11.93% | 11.57% | 12.09% | 12.74% | 12.74% | 13.05% | +148 bps | |
| Equity / Assets | 8.08% | 7.63% | 9.37% | 9.26% | 9.15% | 9.58% | 9.94% | 9.73% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.35% | 96.85% | 100.94% | 107.60% | 102.62% | 94.00% | 101.57% | 90.00% | -1,760 bps | |
| Liquid Assets / Assets | 4.40% | 8.57% | 8.44% | 4.76% | 10.07% | 10.24% | 7.51% | 13.60% | +884 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 418% | 392% | 393% | n/a | n/a | |
Atlanta, GA · Cert 57071 · Peer group: banks $1B-$10B in assets (n=322-328) · Georgia Banking Co. Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
0.93%
Rank 243 of 328
Net Interest Margin
4.14%
Rank 49 of 328
Efficiency Ratio
64.58%
Rank 218 of 328
Equity / Assets
9.73%
Rank 200 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.91% | 1.22% | 1.52% | Beats 26% | 243 / 328 | ||
| Return on Equity | 9.56% | 8.43% | 11.45% | 14.43% | Beats 32% | 222 / 328 | ||
| Net Interest Margin | 4.14% | 3.03% | 3.45% | 3.83% | Beats 85% | 49 / 328 | ||
| Efficiency Ratio | 64.58% | 51.61% | 59.56% | 67.53% | Beats 34% | 218 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.67% | 0.24% | 0.51% | 1.03% | Beats 39% | 196 / 322 | ||
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 46% | 175 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.83% | 11.75% | 13.15% | 15.47% | Beats 26% | 244 / 328 | ||
| Total Risk-Based Capital Ratio | 13.05% | 12.63% | 14.15% | 16.46% | Beats 31% | 227 / 328 | ||
| Equity / Assets | 9.73% | 9.15% | 10.33% | 12.01% | Beats 39% | 200 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.00% | 76.63% | 87.92% | 95.36% | 55th pctl | 145 / 323 | ||
| Loans / Assets | 79.47% | 65.18% | 74.15% | 79.98% | 73rd pctl | 88 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||