| Metric | Northeast Georgia Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.9% | -2.4 pts |
| Deposit growth (YoY) | +1.9% | +4.3% | -2.4 pts |
| Loan growth (YoY) | +6.2% | +5.3% | +0.9 pts |
| ROA | 2.59% | 1.28% | +1.3 pts |
| ROE | 20.6% | 12.4% | +8.2 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $650.6M | $562.9M | $332.7M | $81.1M | $8.4M | 2.59% | 4.72% | 0.01% |
| Q1 2026 | $650.8M | $566.6M | $323.2M | $77.2M | $4.2M | 2.56% | 4.59% | 0.02% |
| Q4 2025 | $651.7M | $557.2M | $318.9M | $86.8M | $18.1M | 2.81% | 4.75% | 0.01% |
| Q3 2025 | $643.4M | $549.0M | $321.1M | $80.8M | $12.9M | 2.68% | 4.76% | 0.01% |
| Q2 2025 | $634.7M | $552.4M | $313.2M | $75.0M | $8.2M | 2.56% | 4.67% | 0.08% |
| Q1 2025 | $647.8M | $564.7M | $304.7M | $70.2M | $4.0M | 2.50% | 4.52% | 0.08% |
| Q4 2024 | $640.1M | $556.1M | $301.5M | $73.5M | $15.8M | 2.53% | 4.66% | 0.08% |
| Q3 2024 | $616.5M | $535.4M | $292.2M | $72.1M | $11.7M | 2.52% | 4.70% | 0.08% |
Loan mix (Q2 2026): real estate $287.5M · commercial $26.5M · consumer $11.6M · securities $131.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Northeast Georgia Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.59% | 1.28% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 20.6% | 12.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.4% | 61.2% | 7th |
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 | Northeast Georgia 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 | Northeast Georgia 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 | Northeast Georgia 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 | Northeast Georgia 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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