American Pride Bank
Macon, GA · Cert 58584 · Peer group: banks $1B-$10B in assets (n=322-328) · American Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 6 branches (7 in holding)
Q2 2026
$1.0BAssets
$721.4MLoans
$889.9MDeposits
$124.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 97% of banks $1B-$10B in assets (rank 10 of 322).
- Widest gap: return on equity trails 96% of banks $1B-$10B in assets (rank 315 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.44%
Rank 310 of 328
Net Interest Margin
3.10%
Rank 234 of 328
Efficiency Ratio
76.70%
Rank 299 of 328
Equity / Assets
12.06%
Rank 79 of 328
Non-interest income vs. expense
Unfavorable gap of $20.7M · efficiency ratio beats 9% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.44% | 0.91% | 1.22% | 1.52% | Beats 5% | 310 / 328 | |
| Return on Equity | 3.64% | 8.43% | 11.45% | 14.43% | Beats 4% | 315 / 328 | |
| Net Interest Margin | 3.10% | 3.03% | 3.45% | 3.83% | Beats 29% | 234 / 328 | |
| Efficiency Ratio | 76.70% | 51.61% | 59.56% | 67.53% | Beats 9% | 299 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.51% | 1.03% | Beats 97% | 10 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 85% | 49 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 14.08% | 11.75% | 13.15% | 15.47% | Beats 63% | 121 / 328 | |
| Total Risk-Based Capital Ratio | 14.08% | 12.63% | 14.15% | 16.46% | Beats 49% | 167 / 328 | |
| Equity / Assets | 12.06% | 9.15% | 10.33% | 12.01% | Beats 76% | 79 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 81.06% | 76.63% | 87.92% | 95.36% | 33rd pctl | 216 / 323 | |
| Loans / Assets | 70.02% | 65.18% | 74.15% | 79.98% | 36th pctl | 209 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |