Commercial Banking Company
Total assets
$409.5M
▲ +14.8% YoY
Deposits
$361.6M
▲ +14.3% YoY
Loans
$301.2M
▲ +17.1% YoY
Offices
5
LOWNDES BANCSHARES INC
ROA (annualized)
1.94%
peers 1.24%
ROE (annualized)
20.60%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.8% | +4.4% | +10.4 pts |
| Deposit growth (YoY) | +14.3% | +4.0% | +10.3 pts |
| Loan growth (YoY) | +17.1% | +5.6% | +11.5 pts |
| ROA | 1.94% | 1.24% | +0.7 pts |
| ROE | 20.6% | 11.9% | +8.7 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- LOWNDES BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 3462 N Valdosta Rd, Valdosta, GA, 31602
- County
- Lowndes
- Metro area
- Valdosta, GA
- Offices
- 5
- FDIC cert #
- 16246
- RSSD ID
- 381932
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $409.5M | $361.6M | $301.2M | $38.6M | $3.9M | 1.94% | 4.80% | 0.03% |
| Q1 2026 | $408.9M | $363.3M | $296.7M | $36.7M | $2.0M | 2.02% | 4.83% | 0.03% |
| Q4 2025 | $372.7M | $327.9M | $285.4M | $36.9M | $6.4M | 1.77% | 5.15% | 0.10% |
| Q3 2025 | $373.9M | $334.9M | $271.2M | $35.0M | $4.8M | 1.79% | 5.05% | 0.09% |
| Q2 2025 | $356.7M | $316.4M | $257.3M | $36.2M | $3.0M | 1.71% | 5.02% | 0.12% |
| Q1 2025 | $360.8M | $322.4M | $244.3M | $34.5M | $1.4M | 1.62% | 4.94% | 0.05% |
| Q4 2024 | $344.5M | $308.5M | $234.9M | $32.6M | $5.8M | 1.64% | 5.00% | 0.03% |
| Q3 2024 | $367.7M | $329.3M | $233.5M | $34.6M | $4.4M | 1.64% | 4.88% | 0.04% |
Loan mix (Q2 2026): real estate $267.5M · commercial $21.4M · consumer $3.1M · securities $37.3M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 20.6% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.96% | 87th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 62.9% | 27th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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