Georgia Primary Bank

Atlanta, GA · Cert 58523 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=22-23)

FDIC · 2 branches

Q4 2024

$337.8MAssets

$264.9MLoans

$294.4MDeposits

$30.1MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 5 of 22).
Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 21 of 23).
Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.45%

Rank 21 of 23

Net Interest Margin

2.81%

Rank 19 of 23

Efficiency Ratio

87.00%

Rank 20 of 23

Equity / Assets

8.93%

Rank 17 of 23

Unfavorable gap of $8.3M · efficiency ratio beats 17% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.45%	0.78%	1.10%	1.39%	Beats 9%	21 / 23
Return on Equity	5.00%	6.08%	10.85%	17.13%	Beats 13%	20 / 23
Net Interest Margin	2.81%	3.35%	3.56%	4.53%	Beats 17%	19 / 23
Efficiency Ratio	87.00%	53.61%	61.75%	77.76%	Beats 17%	20 / 23
Asset Quality
Nonperforming Loans / Loans	1.62%	0.04%	0.92%	1.62%	Beats 27%	17 / 22
Net Charge-Offs / Loans	0.00%	0.00%	0.04%	0.11%	Beats 100%	5 / 22
Capital
Tier 1 Capital Ratio	11.16%	13.51%	16.15%	18.07%	Beats 9%	21 / 23
Total Risk-Based Capital Ratio	12.12%	14.76%	17.35%	19.32%	Beats 9%	21 / 23
Equity / Assets	8.93%	8.70%	10.81%	12.24%	Beats 26%	17 / 23
Liquidity & Funding
Loans / Deposits	89.98%	71.82%	82.27%	94.01%	61st pctl	9 / 23
Loans / Assets	78.42%	65.02%	72.64%	78.81%	68th pctl	7 / 22
Brokered Deposits / Deposits	n/a	Not reported for this institution