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First Bank of Pike

Zebulon, GA · Cert 9070 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20)

State charter, non-member · FDIC · 3 branches

Q2 2026

$87.5MAssets
$54.8MLoans
$77.8MDeposits
$8.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 2 of 20).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 19 of 19).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.30%

Rank 12 of 20

Net Interest Margin

5.25%

Rank 2 of 20

Efficiency Ratio

73.60%

Rank 16 of 20

Equity / Assets

9.66%

Rank 15 of 20

Non-interest income vs. expense

$1.2M$4.3MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 25% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 73.60%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.30%1.08%1.42%1.85%Beats 40%12 / 20
Return on Equity13.48%9.57%13.48%17.30%Beats 50%10 / 20
Net Interest Margin5.25%3.38%3.99%4.50%Beats 90%2 / 20
Efficiency Ratio73.60%47.39%61.42%73.60%Beats 25%16 / 20
Asset Quality
Nonperforming Loans / Loans0.79%0.05%0.79%1.63%Beats 53%10 / 19
Net Charge-Offs / Loans0.12%n/a0.00%0.03%Beats 5%19 / 19
Capital
Tier 1 Capital Ratio17.09%13.64%16.79%19.57%Beats 55%9 / 20
Total Risk-Based Capital Ratio18.35%14.77%17.61%20.82%Beats 55%9 / 20
Equity / Assets9.66%9.66%10.94%13.62%Beats 25%15 / 20
Liquidity & Funding
Loans / Deposits70.35%70.35%84.66%95.83%25th pctl15 / 20
Loans / Assets62.58%62.58%72.89%77.86%25th pctl15 / 20
Brokered Deposits / Depositsn/aNot reported for this institution