Community Bank of Georgia
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
$269.5MAssets
$188.3MLoans
$239.6MDeposits
$27.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets in GA (rank 4 of 59).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets in GA (rank 52 of 59).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 95% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |