Eatonton, GA · Cert 9069 · Putnam-Greene Financial Corp.
State charter, non-member · FDIC · 2 branches
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 GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
66
Profitability
12
Liquidity
33
Efficiency
22
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.
Eatonton, GA · Cert 9069 · Putnam-Greene Financial Corp.
State charter, non-member · FDIC · 3 affiliate banks · 2 branches (7 in holding)
Q2 2026
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 | 0.59% | 0.63% | 0.29% | 0.60% | 0.64% | 0.63% | 0.37% | 0.55% | -5 bps | |
| Return on Equity | 8.13% | 8.83% | 4.19% | 8.40% | 8.42% | 8.10% | 4.03% | 5.81% | -259 bps | |
| Net Interest Margin | 2.29% | 2.17% | 2.24% | 2.48% | 2.63% | 2.74% | 2.61% | 2.77% | +29 bps | |
| Efficiency Ratio | 71.28% | 69.62% | 82.77% | 70.55% | 66.51% | 66.53% | 79.18% | 72.89% | +234 bps | |
| Non-Interest Burden | 1.55% | 1.43% | 1.81% | 1.68% | 1.67% | 1.74% | 2.01% | 1.95% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.13% | 20.82% | 25.30% | 16.54% | -2.16% | -6.78% | -9.66% | -8.44% | -2,498 bps | |
| Loan Growth (YoY) | 21.45% | 23.87% | 21.04% | -1.53% | -13.27% | -15.38% | -12.75% | 14.55% | +1,608 bps | |
| Deposit Growth (YoY) | 20.88% | 25.98% | 30.72% | 20.83% | -3.30% | -9.22% | -12.20% | -10.75% | -3,158 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.28% | 0.32% | 0.17% | 1.57% | 1.06% | 0.84% | 0.74% | +57 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.02% | 0.01% | -0.02% | -0.02% | -0.10% | -0.10% | -11 bps | |
| Allowance / Loans | 1.26% | 1.23% | 1.44% | 1.64% | 1.76% | 1.65% | 1.68% | 1.49% | -15 bps | |
| Allowance Coverage of NPLs | 3.9x | 4.3x | 4.4x | 9.5x | 1.1x | 1.6x | 2.0x | 2.0x | -7.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.03% | 9.35% | 8.98% | 9.43% | 10.10% | 10.74% | 10.86% | 11.20% | +177 bps | |
| Total Risk-Based Capital | 18.56% | 18.71% | 18.54% | 20.44% | 21.21% | 21.60% | 21.35% | 19.76% | -68 bps | |
| Equity / Assets | 7.75% | 6.64% | 7.08% | 7.79% | 8.80% | 8.90% | 9.56% | 9.91% | +213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.42% | 45.55% | 45.79% | 42.98% | 43.43% | 42.46% | 45.50% | 55.17% | +1,218 bps | |
| Liquid Assets / Assets | 15.65% | 21.36% | 23.63% | 25.56% | 23.77% | 25.58% | 21.64% | 12.43% | -1,313 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 286% | 284% | 287% | n/a | n/a | |
Eatonton, GA · Cert 9069 · Peer group: banks under $1B in assets in GA (n=58-59) · Putnam-Greene Financial Corp.
State charter, non-member · FDIC · 3 affiliate banks · 2 branches (7 in holding)
Q2 2026
Return on Assets
0.57%
Rank 50 of 59
Net Interest Margin
2.77%
Rank 55 of 59
Efficiency Ratio
72.89%
Rank 47 of 59
Equity / Assets
9.91%
Rank 38 of 59
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | 0.94% | 1.46% | 1.76% | Beats 15% | 50 / 59 | ||
| Return on Equity | 5.74% | 7.92% | 11.60% | 15.10% | Beats 14% | 51 / 59 | ||
| Net Interest Margin | 2.77% | 3.66% | 4.24% | 4.75% | Beats 7% | 55 / 59 | ||
| Efficiency Ratio | 72.89% | 51.87% | 60.25% | 70.24% | Beats 22% | 47 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.10% | 0.36% | 0.89% | Beats 31% | 41 / 58 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 10 / 58 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.51% | 11.93% | 15.65% | 21.05% | Beats 63% | 22 / 59 | ||
| Total Risk-Based Capital Ratio | 19.76% | 12.05% | 15.77% | 22.26% | Beats 63% | 22 / 59 | ||
| Equity / Assets | 9.91% | 9.10% | 11.51% | 14.32% | Beats 36% | 38 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.17% | 59.62% | 72.81% | 85.44% | 17th pctl | 48 / 58 | ||
| Loans / Assets | 49.25% | 49.55% | 64.39% | 73.73% | 22nd pctl | 46 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||