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 | |