PromiseOne Bank
Total assets
$812.2M
▼ -0.3% YoY
Deposits
$732.2M
▼ -1.1% YoY
Loans
$613.0M
▲ +2.5% YoY
Offices
10
PROMISEONE BCORP INC
ROA (annualized)
1.52%
peers 1.28%
ROE (annualized)
18.37%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | PromiseOne Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.9% | -5.2 pts |
| Deposit growth (YoY) | -1.1% | +4.3% | -5.4 pts |
| Loan growth (YoY) | +2.5% | +5.3% | -2.9 pts |
| ROA | 1.52% | 1.28% | +0.2 pts |
| ROE | 18.4% | 12.4% | +5.9 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
Profile
- Established
- 2008
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PROMISEONE BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 2385 Pleasant Hill Rd, Duluth, GA, 30096
- County
- Gwinnett
- Metro area
- Atlanta-Sandy Springs-Alpharetta, GA
- Offices
- 10
- FDIC cert #
- 58657
- RSSD ID
- 3832127
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $812.2M | $732.2M | $613.0M | $69.7M | $6.3M | 1.52% | 3.21% | 0.71% |
| Q1 2026 | $840.4M | $762.1M | $603.1M | $68.5M | $3.0M | 1.44% | 3.09% | 0.70% |
| Q4 2025 | $837.0M | $757.7M | $605.4M | $67.8M | $12.0M | 1.47% | 3.21% | 0.71% |
| Q3 2025 | $822.6M | $741.8M | $604.0M | $68.1M | $8.6M | 1.42% | 3.21% | 0.85% |
| Q2 2025 | $814.7M | $740.1M | $598.3M | $64.2M | $5.6M | 1.38% | 3.17% | 0.92% |
| Q1 2025 | $796.2M | $722.8M | $600.1M | $64.1M | $2.8M | 1.38% | 3.05% | 0.87% |
| Q4 2024 | $811.5M | $738.7M | $579.0M | $62.5M | $11.1M | 1.51% | 3.06% | 0.66% |
| Q3 2024 | $722.6M | $629.1M | $569.8M | $65.7M | $8.4M | 1.55% | 2.98% | 0.71% |
Loan mix (Q2 2026): real estate $581.4M · commercial $37.6M · consumer $8K · securities $52.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | PromiseOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.28% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 12.4% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.89% | 16th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 61.2% | 40th | |
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% |
Balance sheet
| Ratio | PromiseOne 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% |
Capital
| Ratio | PromiseOne 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% |
Credit quality
| Ratio | PromiseOne 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% |
Franchise
| Ratio | PromiseOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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