Johns Creek, GA · Cert 59182
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
84
Profitability
7
Liquidity
37
Efficiency
10
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Johns Creek, GA · Cert 59182
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #52 of 81 inst. · $0.2B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.05% | 0.60% | 0.56% | 0.59% | 0.43% | 0.56% | 0.26% | -30 bps | |
| Return on Equity | -1.07% | -0.38% | 5.05% | 4.78% | 5.14% | 3.81% | 5.23% | 2.42% | -236 bps | |
| Net Interest Margin | 2.19% | 2.35% | 2.47% | 2.40% | 2.41% | 2.29% | 2.60% | 2.78% | +37 bps | |
| Efficiency Ratio | 112.34% | 107.87% | 73.36% | 74.67% | 71.88% | 78.39% | 80.13% | 88.16% | +1,349 bps | |
| Non-Interest Burden | 2.53% | 2.58% | 1.50% | 1.53% | 1.41% | 1.58% | 1.93% | 2.34% | +81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.30% | -2.80% | 5.08% | 8.77% | 16.81% | 26.22% | 11.07% | 9.26% | +49 bps | |
| Loan Growth (YoY) | 2.87% | 16.84% | 18.22% | 21.85% | 22.09% | 15.49% | 12.20% | 11.40% | -1,044 bps | |
| Deposit Growth (YoY) | 16.84% | 2.60% | 13.59% | 18.48% | 29.99% | 34.57% | 12.30% | 9.99% | -849 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.13% | 0.12% | 0.12% | 1.05% | 0.60% | 0.17% | 0.25% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.08% | 1.07% | 1.07% | 1.17% | 1.18% | 1.07% | 1.11% | +3 bps | |
| Allowance Coverage of NPLs | 7.4x | 8.6x | 8.8x | 9.3x | 1.1x | 2.0x | 6.3x | 4.5x | -4.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.10% | 12.96% | 12.32% | 11.46% | 11.30% | 10.47% | 10.62% | 10.77% | -69 bps | |
| Total Risk-Based Capital | 19.54% | 18.45% | 17.97% | 17.75% | 17.50% | 16.80% | 17.12% | 17.09% | -67 bps | |
| Equity / Assets | 12.13% | 12.24% | 11.49% | 11.33% | 10.74% | 10.35% | 10.89% | 10.78% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.40% | 100.73% | 92.82% | 94.61% | 87.72% | 86.45% | 92.73% | 95.83% | +122 bps | |
| Liquid Assets / Assets | 22.21% | 12.64% | 17.58% | 15.71% | 19.25% | 20.65% | 16.78% | 14.61% | -110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 375% | 379% | 372% | n/a | n/a | |
Johns Creek, GA · Cert 59182 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.26%
Rank 19 of 20
Net Interest Margin
2.78%
Rank 18 of 20
Efficiency Ratio
88.16%
Rank 19 of 20
Equity / Assets
10.78%
Rank 12 of 20
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.26% | 1.08% | 1.42% | 1.85% | Beats 5% | 19 / 20 | ||
| Return on Equity | 2.42% | 9.57% | 13.48% | 17.30% | Beats 5% | 19 / 20 | ||
| Net Interest Margin | 2.78% | 3.38% | 3.99% | 4.50% | Beats 10% | 18 / 20 | ||
| Efficiency Ratio | 88.16% | 47.39% | 61.42% | 73.60% | Beats 10% | 19 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.05% | 0.79% | 1.63% | Beats 68% | 7 / 19 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 7 / 19 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.84% | 13.64% | 16.79% | 19.57% | Beats 45% | 11 / 20 | ||
| Total Risk-Based Capital Ratio | 17.09% | 14.77% | 17.61% | 20.82% | Beats 45% | 11 / 20 | ||
| Equity / Assets | 10.78% | 9.66% | 10.94% | 13.62% | Beats 40% | 12 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.83% | 70.35% | 84.66% | 95.83% | 75th pctl | 5 / 20 | ||
| Loans / Assets | 71.43% | 62.58% | 72.89% | 77.86% | 40th pctl | 12 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||