| Metric | Douglas National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.4% | -5.5 pts |
| Deposit growth (YoY) | -2.3% | +4.0% | -6.3 pts |
| Loan growth (YoY) | +11.4% | +5.6% | +5.9 pts |
| ROA | 3.51% | 1.24% | +2.3 pts |
| ROE | 36.6% | 11.9% | +24.7 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $326.9M | $294.7M | $249.7M | $31.9M | $5.8M | 3.51% | 5.35% | 0.08% |
| Q1 2026 | $331.6M | $301.1M | $240.0M | $30.4M | $2.9M | 3.50% | 5.42% | 0.21% |
| Q4 2025 | $324.6M | $292.0M | $235.6M | $32.2M | $10.7M | 3.25% | 4.98% | 0.14% |
| Q3 2025 | $309.7M | $278.8M | $228.5M | $30.4M | $7.9M | 3.20% | 4.93% | 0.06% |
| Q2 2025 | $330.7M | $301.7M | $224.1M | $28.6M | $5.2M | 3.09% | 4.76% | 0.05% |
| Q1 2025 | $326.6M | $299.6M | $219.6M | $26.8M | $2.5M | 2.90% | 4.55% | 0.34% |
| Q4 2024 | $354.8M | $327.3M | $216.4M | $26.9M | $8.9M | 2.98% | 4.68% | 0.31% |
| Q3 2024 | $290.3M | $253.1M | $209.1M | $26.5M | $6.5M | 3.05% | 4.84% | 0.40% |
Loan mix (Q2 2026): real estate $210.2M · commercial $30.8M · consumer $8.7M · securities $25.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Douglas National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.51% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 36.6% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.7% | 62.9% | 5th |
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 | Douglas National Bank | 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 | Douglas National Bank | 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 | Douglas National Bank | 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 | Douglas National Bank | 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 | Douglas National Bank | 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.
1 branches in 1 county across 1 state (+0 vs 2024) · $301.7M branch deposits. Biggest market: Coffee, GA, ranked 1st with 21.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Coffee, GA | 1 | $301.7M | 20.97% | 1st |
Georgia: 106th with 0.08% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1