| Metric | Bank of Hazlehurst | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.4% | +4.4% | -11.7 pts |
| Deposit growth (YoY) | -9.8% | +4.0% | -13.8 pts |
| Loan growth (YoY) | +13.6% | +5.6% | +8.0 pts |
| ROA | 2.19% | 1.24% | +1.0 pts |
| ROE | 19.2% | 11.9% | +7.3 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $134.2M | $117.9M | $55.3M | $15.9M | $1.5M | 2.19% | 4.81% | 0.29% |
| Q1 2026 | $137.5M | $122.0M | $52.4M | $15.1M | $734K | 2.09% | 4.67% | 0.33% |
| Q4 2025 | $143.8M | $127.1M | $51.9M | $16.4M | $3.1M | 2.24% | 4.76% | 0.51% |
| Q3 2025 | $144.9M | $129.3M | $47.9M | $15.2M | $2.3M | 2.22% | 4.76% | 0.45% |
| Q2 2025 | $144.8M | $130.7M | $48.6M | $13.7M | $1.5M | 2.26% | 4.82% | 0.62% |
| Q1 2025 | $132.0M | $118.8M | $45.0M | $12.8M | $765K | 2.30% | 4.81% | 0.15% |
| Q4 2024 | $133.7M | $120.9M | $48.2M | $12.5M | $2.6M | 2.08% | 4.77% | 0.13% |
| Q3 2024 | $120.2M | $106.3M | $50.7M | $13.5M | $1.9M | 2.05% | 4.77% | 0.17% |
Loan mix (Q2 2026): real estate $39.1M · commercial $5.1M · consumer $5.5M · securities $45.4M
| Ratio | Bank of Hazlehurst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.19% | 1.24% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 62.9% | 32nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Hazlehurst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Hazlehurst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Hazlehurst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Hazlehurst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Hazlehurst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025) · $117.9M branch deposits. Biggest market: Jeff Davis, GA, ranked 1st with 36.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jeff Davis, GA | 2 | $117.9M | 36.19% | 1st |
Georgia: 184th with 0.03% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Spends 1.7× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).