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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.37% | 1.68% | 1.83% | 1.78% | 1.76% | 1.80% | 1.93% | +11 bps | |
| Return on Equity | 14.76% | 13.92% | 17.53% | 19.26% | 18.41% | 17.34% | 17.20% | 18.47% | -79 bps | |
| Net Interest Margin | 4.26% | 4.36% | 4.44% | 4.50% | 4.47% | 4.63% | 4.73% | 4.72% | +22 bps | |
| Efficiency Ratio | 48.36% | 53.34% | 44.72% | 41.75% | 42.27% | 44.92% | 44.93% | 42.88% | +113 bps | |
| Non-Interest Burden | 1.98% | 2.25% | 1.91% | 1.80% | 1.81% | 2.00% | 2.04% | 1.93% | +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 | 0.02% | -0.05% | 0.07% | 0.10% | -0.01% | -0.01% | 0.16% | 0.04% | -5 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 | |