First Chatham Bank
Savannah, GA · Cert 57252 · Peer group: banks under $1B in assets (n=547-599)
FDIC · 8 branches
Q1 2025
$604.5MAssets
$377.2MLoans
$522.7MDeposits
$77.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets (rank 40 of 598).
- Widest gap: nonperforming loans / loans trails 73% of banks under $1B in assets (rank 402 of 547).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.31%
Rank 171 of 599
Net Interest Margin
4.67%
Rank 40 of 598
Efficiency Ratio
69.01%
Rank 275 of 598
Equity / Assets
12.78%
Rank 154 of 598
Non-interest income vs. expense
Unfavorable gap of $16.7M · efficiency ratio beats 54% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.47% | 0.86% | 1.38% | Beats 71% | 171 / 599 | |
| Return on Equity | 10.23% | 4.56% | 8.90% | 12.65% | Beats 62% | 227 / 598 | |
| Net Interest Margin | 4.67% | 2.82% | 3.31% | 3.84% | Beats 93% | 40 / 598 | |
| Efficiency Ratio | 69.01% | 60.53% | 70.73% | 82.91% | Beats 54% | 275 / 598 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.87% | 0.06% | 0.34% | 0.91% | Beats 27% | 402 / 547 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 61% | 217 / 547 | |
| Capital |
| Tier 1 Capital Ratio | 19.80% | 11.11% | 13.78% | 18.22% | Beats 77% | 135 / 598 | |
| Total Risk-Based Capital Ratio | 21.06% | 11.62% | 14.42% | 19.14% | Beats 78% | 131 / 598 | |
| Equity / Assets | 12.78% | 8.34% | 10.07% | 12.96% | Beats 74% | 154 / 598 | |
| Liquidity & Funding |
| Loans / Deposits | 72.17% | 60.71% | 77.02% | 90.89% | 40th pctl | 338 / 561 | |
| Loans / Assets | 62.40% | 54.47% | 67.19% | 77.36% | 39th pctl | 334 / 547 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |