Republic Bank of Georgia
Suwanee, GA · Cert 58374 · Peer group: banks $1B-$10B in assets (n=259-265)
FDIC · 16 branches
Q4 2024
$2.4BAssets
$2.1BLoans
$2.1BDeposits
$232.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets (rank 10 of 259).
- Widest gap: tier 1 capital ratio trails 92% of banks $1B-$10B in assets (rank 243 of 265).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.06%
Rank 89 of 265
Net Interest Margin
3.70%
Rank 37 of 265
Efficiency Ratio
60.13%
Rank 94 of 265
Equity / Assets
9.68%
Rank 132 of 265
Non-interest income vs. expense
Unfavorable gap of $49.3M · efficiency ratio beats 65% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.59% | 0.88% | 1.15% | Beats 66% | 89 / 265 | | |
| Return on Equity | 10.97% | 6.61% | 9.35% | 11.95% | Beats 63% | 97 / 265 | | |
| Net Interest Margin | 3.70% | 2.50% | 2.88% | 3.37% | Beats 86% | 37 / 265 | | |
| Efficiency Ratio | 60.13% | 56.50% | 64.63% | 72.96% | Beats 65% | 94 / 265 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.17% | 0.42% | 0.89% | Beats 100% | 10 / 259 | | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.06% | 0.20% | Beats 84% | 43 / 259 | | |
| Capital |
| Tier 1 Capital Ratio | 10.27% | 11.21% | 12.48% | 14.46% | Beats 8% | 243 / 265 | | |
| Total Risk-Based Capital Ratio | 11.13% | 12.06% | 13.47% | 15.42% | Beats 9% | 241 / 265 | | |
| Equity / Assets | 9.68% | 8.42% | 9.65% | 11.19% | Beats 50% | 132 / 265 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.48% | 75.05% | 87.21% | 94.28% | 83rd pctl | 45 / 260 | | |
| Loans / Assets | 86.99% | 64.11% | 73.90% | 79.94% | 96th pctl | 10 / 259 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |