| Metric | Georgia Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.1 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.8 pts |
| Loan growth (YoY) | -4.8% | +5.6% | -10.4 pts |
| ROA | 1.80% | 1.24% | +0.6 pts |
| ROE | 13.6% | 11.9% | +1.7 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $375.0M | $321.7M | $252.2M | $50.2M | $3.4M | 1.80% | 4.92% | 0.88% |
| Q1 2026 | $384.9M | $331.5M | $246.6M | $50.7M | $1.6M | 1.72% | 4.86% | 0.89% |
| Q4 2025 | $380.1M | $326.8M | $252.2M | $50.7M | $7.1M | 1.87% | 4.97% | 1.03% |
| Q3 2025 | $367.0M | $315.3M | $260.4M | $48.5M | $5.2M | 1.82% | 4.97% | 0.36% |
| Q2 2025 | $373.9M | $324.3M | $265.1M | $46.8M | $3.3M | 1.73% | 4.86% | 0.45% |
| Q1 2025 | $382.0M | $332.3M | $267.0M | $47.1M | $1.5M | 1.58% | 4.64% | 0.57% |
| Q4 2024 | $386.9M | $338.1M | $260.2M | $46.0M | $6.1M | 1.60% | 4.71% | 0.18% |
| Q3 2024 | $377.4M | $328.7M | $264.6M | $45.5M | $4.0M | 1.42% | 4.70% | 0.26% |
Loan mix (Q2 2026): real estate $201.7M · commercial $26.1M · consumer $8.8M · securities $65.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Georgia Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 62.9% | 48th |
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 | Georgia Community 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 | Georgia Community 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 | Georgia Community 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 | Georgia Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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