| Metric | Georgia First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.9% | +4.4% | +9.6 pts |
| Deposit growth (YoY) | +13.1% | +4.0% | +9.2 pts |
| Loan growth (YoY) | +20.7% | +5.6% | +15.1 pts |
| ROA | 1.86% | 1.24% | +0.6 pts |
| ROE | 19.0% | 11.9% | +7.1 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $290.8M | $259.5M | $241.5M | $29.5M | $2.7M | 1.86% | 5.43% | 0.06% |
| Q1 2026 | $295.7M | $265.8M | $228.4M | $28.5M | $1.3M | 1.78% | 5.43% | 0.06% |
| Q4 2025 | $275.1M | $247.1M | $219.9M | $26.4M | $5.0M | 1.95% | 5.67% | 0.51% |
| Q3 2025 | $257.9M | $230.6M | $215.2M | $25.3M | $3.7M | 1.99% | 5.74% | 0.54% |
| Q2 2025 | $255.3M | $229.4M | $200.1M | $24.1M | $2.4M | 1.93% | 5.64% | 0.66% |
| Q1 2025 | $254.4M | $230.2M | $177.0M | $22.8M | $940K | 1.56% | 5.40% | 0.63% |
| Q4 2024 | $228.7M | $206.5M | $171.8M | $20.6M | $3.7M | 1.78% | 5.44% | 0.69% |
| Q3 2024 | $212.2M | $187.6M | $171.0M | $19.7M | $2.8M | 1.84% | 5.34% | 0.71% |
Loan mix (Q2 2026): real estate $195.7M · commercial $32.7M · consumer $15.4M · securities $7.5M
| Ratio | Georgia First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.24% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 62.9% | 41st |
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 First 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 First 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 | Georgia First 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 First 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 First 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.
3 branches in 3 counties across 1 state (+0 vs 2025) · $259.5M branch deposits. Biggest market: Treutlen, GA, ranked 1st with 100.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Treutlen, GA | 1 | $115.0M | 100.00% | 1st |
| Laurens, GA | 1 | $83.9M | 4.48% | 8th |
| Toombs, GA | 1 | $60.5M | 5.57% | 6th |
Georgia: 123rd with 0.06% ·
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (21 bps of assets, 2025). 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).