Baxley, GA · Cert 57579 · Community Bank of Georgia Inc.
State charter, non-member · FDIC · 2 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 under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
24
Profitability
76
Liquidity
74
Efficiency
95
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.
Baxley, GA · Cert 57579 · Community Bank of Georgia Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Valdosta, GA · 2026 SOD (annual) · 0.1% share · #16 of 16 inst. · $0.0B of $3.8B
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 | 1.62% | 1.55% | 1.68% | 1.75% | 1.77% | 1.77% | 1.80% | 1.85% | +11 bps | |
| Return on Equity | 16.48% | 15.88% | 17.53% | 18.42% | 18.41% | 18.16% | 17.20% | 17.85% | -57 bps | |
| Net Interest Margin | 4.31% | 4.16% | 4.44% | 4.31% | 4.29% | 4.40% | 4.73% | 4.56% | +25 bps | |
| Efficiency Ratio | 45.79% | 47.76% | 44.72% | 43.17% | 42.86% | 43.40% | 44.93% | 43.87% | +70 bps | |
| Non-Interest Burden | 1.89% | 1.91% | 1.91% | 1.78% | 1.76% | 1.83% | 2.04% | 1.91% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.49% | 14.33% | 19.93% | 22.58% | 20.47% | 11.97% | 8.32% | 7.55% | -1,502 bps | |
| Loan Growth (YoY) | 13.23% | 17.47% | 29.47% | 26.16% | 27.64% | 23.94% | 21.81% | 23.38% | -279 bps | |
| Deposit Growth (YoY) | 8.77% | 13.59% | 20.16% | 22.57% | 21.16% | 11.04% | 7.28% | 6.87% | -1,570 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.80% | 0.61% | 0.45% | 0.46% | 0.44% | 1.33% | 2.78% | 1.05% | +59 bps | |
| Net Charge-Offs / Loans | -0.16% | -0.13% | 0.07% | 0.08% | 0.05% | 0.03% | 0.16% | 0.10% | +1 bps | |
| Allowance / Loans | 2.51% | 2.41% | 2.26% | 2.17% | 2.13% | 2.09% | 1.97% | 1.87% | -30 bps | |
| Allowance Coverage of NPLs | 3.1x | 4.0x | 5.0x | 4.7x | 4.8x | 1.6x | 0.7x | 1.8x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.20% | 10.73% | 10.52% | 10.21% | 10.39% | 10.73% | 11.34% | 10.99% | +78 bps | |
| Total Risk-Based Capital | 11.20% | 10.73% | 10.52% | 10.21% | 10.39% | 10.73% | 11.34% | 10.99% | +78 bps | |
| Equity / Assets | 10.29% | 9.47% | 9.66% | 9.34% | 10.02% | 10.24% | 10.66% | 10.28% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.80% | 67.81% | 70.63% | 68.05% | 72.49% | 75.69% | 80.19% | 78.56% | +1,051 bps | |
| Liquid Assets / Assets | 0.97% | 0.90% | 0.65% | 0.60% | 0.61% | 0.61% | 0.60% | 0.56% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 278% | 280% | 265% | n/a | n/a | |
Baxley, GA · Cert 57579 · Peer group: banks under $1B in assets in GA (n=58-59) · Community Bank of Georgia Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.76%
Rank 15 of 59
Net Interest Margin
4.56%
Rank 22 of 59
Efficiency Ratio
43.87%
Rank 4 of 59
Equity / Assets
10.28%
Rank 34 of 59
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.76% | 0.94% | 1.46% | 1.76% | Beats 75% | 15 / 59 | ||
| Return on Equity | 17.09% | 7.92% | 11.60% | 15.10% | Beats 90% | 6 / 59 | ||
| Net Interest Margin | 4.56% | 3.66% | 4.24% | 4.75% | Beats 63% | 22 / 59 | ||
| Efficiency Ratio | 43.87% | 51.87% | 60.25% | 70.24% | Beats 95% | 4 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.05% | 0.10% | 0.36% | 0.89% | Beats 24% | 45 / 58 | ||
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.02% | 0.05% | Beats 24% | 45 / 58 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.99% | 11.93% | 15.65% | 21.05% | Beats 15% | 50 / 59 | ||
| Total Risk-Based Capital Ratio | 10.99% | 12.05% | 15.77% | 22.26% | Beats 12% | 52 / 59 | ||
| Equity / Assets | 10.28% | 9.10% | 11.51% | 14.32% | Beats 42% | 34 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.56% | 59.62% | 72.81% | 85.44% | 57th pctl | 25 / 58 | ||
| Loans / Assets | 69.85% | 49.55% | 64.39% | 73.73% | 66th pctl | 20 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||