Georgia Banking Company
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
$3.3BAssets
$2.6BLoans
$2.9BDeposits
$317.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 85% of banks $1B-$10B in assets (rank 49 of 328).
- Widest gap: tier 1 capital ratio trails 74% of banks $1B-$10B in assets (rank 244 of 328).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $70.0M · efficiency ratio beats 34% of banks $1B-$10B in assets | 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 |