No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $215.2M | $170.6M | $138.2M | $20.2M | $850K | 0.80% | 3.08% | 0.18% |
| Q1 2026 | $212.7M | $169.3M | $137.6M | $19.8M | $519K | 0.98% | 2.99% | 0.00% |
| Q4 2025 | $211.1M | $163.8M | $135.0M | $20.5M | $2.1M | 1.06% | 2.76% | 0.18% |
| Q3 2025 | $203.4M | $160.1M | $127.2M | $19.7M | $1.5M | 1.06% | 2.69% | 0.19% |
| Q2 2025 | $193.8M | $154.3M | $119.5M | $18.1M | $1.0M | 1.05% | 2.61% | 0.50% |
| Q1 2025 | $187.2M | $148.5M | $112.3M | $17.8M | $438K | 0.93% | 2.52% | 0.95% |
| Q4 2024 | $191.1M | $150.1M | $116.1M | $17.6M | $1.6M | 0.88% | 2.61% | 0.93% |
| Q3 2024 | $184.2M | $142.3M | $109.4M | $18.9M | $1.5M | 1.12% | 2.65% | 1.04% |
Loan mix (Q2 2026): real estate $60.8M · commercial $36.1M · consumer $1.4M · securities $52.9M
| Ratio | Milledgeville State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.6% | 62.9% | 19th |
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 | Milledgeville State 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 | Milledgeville State 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 | Milledgeville State 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 | Milledgeville State 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.