| 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% | 83th | |
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% | 41th |
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 |
|---|---|---|---|---|
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% |
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