Promiseone Bank
Duluth, GA · Cert 58657 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Promiseone Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$812.2MAssets
$619.0MLoans
$732.2MDeposits
$69.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 65% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 8 of 20).
- Widest gap: equity / assets trails 95% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 19 of 20).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.22%
Rank 13 of 20
Net Interest Margin
3.05%
Rank 17 of 20
Efficiency Ratio
58.13%
Rank 8 of 20
Equity / Assets
8.58%
Rank 19 of 20
Non-interest income vs. expense
Unfavorable gap of $12.8M · efficiency ratio beats 65% 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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 1.08% | 1.42% | 1.85% | Beats 35% | 13 / 20 | | |
| Return on Equity | 14.21% | 9.57% | 13.48% | 17.30% | Beats 60% | 8 / 20 | | |
| Net Interest Margin | 3.05% | 3.38% | 3.99% | 4.50% | Beats 15% | 17 / 20 | | |
| Efficiency Ratio | 58.13% | 47.39% | 61.42% | 73.60% | Beats 65% | 8 / 20 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.05% | 0.79% | 1.63% | Beats 47% | 11 / 19 | | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.00% | 0.03% | Beats 16% | 17 / 19 | | |
| Capital |
| Tier 1 Capital Ratio | 15.70% | 13.64% | 16.79% | 19.57% | Beats 40% | 12 / 20 | | |
| Total Risk-Based Capital Ratio | 16.82% | 14.77% | 17.61% | 20.82% | Beats 40% | 12 / 20 | | |
| Equity / Assets | 8.58% | 9.66% | 10.94% | 13.62% | Beats 5% | 19 / 20 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.54% | 70.35% | 84.66% | 95.83% | 45th pctl | 11 / 20 | | |
| Loans / Assets | 76.22% | 62.58% | 72.89% | 77.86% | 70th pctl | 6 / 20 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |