Douglas National Bank
Douglas, GA · Cert 57230 · Peer group: banks under $1B in assets in GA (n=58-59) · DNB Financial Services Inc.
National charter · OCC · 1 branch
Q2 2026
$326.9MAssets
$252.3MLoans
$294.7MDeposits
$31.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 98% of banks under $1B in assets in GA (rank 1 of 59).
- Widest gap: equity / assets trails 68% of banks under $1B in assets in GA (rank 40 of 59).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.76%
Rank 3 of 59
Net Interest Margin
5.06%
Rank 8 of 59
Efficiency Ratio
41.71%
Rank 2 of 59
Equity / Assets
9.76%
Rank 40 of 59
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 98% 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 | 2.76% | 0.94% | 1.46% | 1.76% | Beats 95% | 3 / 59 | | |
| Return on Equity | 28.31% | 7.92% | 11.60% | 15.10% | Beats 98% | 1 / 59 | | |
| Net Interest Margin | 5.06% | 3.66% | 4.24% | 4.75% | Beats 86% | 8 / 59 | | |
| Efficiency Ratio | 41.71% | 51.87% | 60.25% | 70.24% | Beats 98% | 2 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.10% | 0.36% | 0.89% | Beats 74% | 16 / 58 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 50% | 30 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 14.53% | 11.93% | 15.65% | 21.05% | Beats 44% | 33 / 59 | | |
| Total Risk-Based Capital Ratio | 15.60% | 12.05% | 15.77% | 22.26% | Beats 46% | 32 / 59 | | |
| Equity / Assets | 9.76% | 9.10% | 11.51% | 14.32% | Beats 32% | 40 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.61% | 59.62% | 72.81% | 85.44% | 76th pctl | 14 / 58 | | |
| Loans / Assets | 77.16% | 49.55% | 64.39% | 73.73% | 83rd pctl | 10 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |