Georgia First Bank
Soperton, GA · Cert 889 · Peer group: banks under $1B in assets in GA (n=58-59) · Soperton Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$290.8MAssets
$245.5MLoans
$259.5MDeposits
$29.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 79% of banks under $1B in assets in GA (rank 13 of 58).
- Widest gap: tier 1 capital ratio trails 64% of banks under $1B in assets in GA (rank 38 of 59).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.52%
Rank 27 of 59
Net Interest Margin
4.77%
Rank 13 of 59
Efficiency Ratio
59.85%
Rank 28 of 59
Equity / Assets
10.14%
Rank 37 of 59
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 54% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.52% | 0.94% | 1.46% | 1.76% | Beats 54% | 27 / 59 | |
| Return on Equity | 14.96% | 7.92% | 11.60% | 15.10% | Beats 69% | 18 / 59 | |
| Net Interest Margin | 4.77% | 3.66% | 4.24% | 4.75% | Beats 78% | 13 / 59 | |
| Efficiency Ratio | 59.85% | 51.87% | 60.25% | 70.24% | Beats 54% | 28 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.10% | 0.36% | 0.89% | Beats 79% | 13 / 58 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 62% | 23 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 13.65% | 11.93% | 15.65% | 21.05% | Beats 36% | 38 / 59 | |
| Total Risk-Based Capital Ratio | 14.91% | 12.05% | 15.77% | 22.26% | Beats 37% | 37 / 59 | |
| Equity / Assets | 10.14% | 9.10% | 11.51% | 14.32% | Beats 37% | 37 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 94.63% | 59.62% | 72.81% | 85.44% | 88th pctl | 7 / 58 | |
| Loans / Assets | 84.45% | 49.55% | 64.39% | 73.73% | 97th pctl | 2 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |