| Metric | Rabun County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +11.9% | +5.6% | +6.4 pts |
| ROA | 1.64% | 1.24% | +0.4 pts |
| ROE | 16.0% | 11.9% | +4.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $361.5M | $321.3M | $230.7M | $37.4M | $3.0M | 1.64% | 4.09% | 0.03% |
| Q1 2026 | $364.2M | $323.7M | $215.7M | $38.0M | $1.2M | 1.31% | 3.89% | 0.17% |
| Q4 2025 | $366.2M | $326.9M | $212.1M | $36.9M | $4.9M | 1.41% | 4.01% | 0.16% |
| Q3 2025 | $348.9M | $310.4M | $210.7M | $35.5M | $3.5M | 1.38% | 3.95% | 0.16% |
| Q2 2025 | $342.9M | $303.2M | $206.0M | $36.8M | $2.4M | 1.40% | 3.91% | 0.16% |
| Q1 2025 | $335.8M | $297.5M | $197.0M | $35.5M | $1.0M | 1.26% | 3.74% | 0.29% |
| Q4 2024 | $332.6M | $295.7M | $190.3M | $34.4M | $5.1M | 1.62% | 4.13% | 0.37% |
| Q3 2024 | $353.5M | $317.8M | $193.4M | $33.1M | $3.8M | 1.60% | 4.10% | 0.27% |
Loan mix (Q2 2026): real estate $209.3M · commercial $10.5M · consumer $12.7M · securities $12.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Rabun County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.24% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 11.9% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% | 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 | Rabun County 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 | Rabun County 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 | Rabun County 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 | Rabun County 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 | Rabun County 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.
4 branches in 2 counties across 1 state (+0 vs 2025) · $321.3M branch deposits. Biggest market: Rabun, GA, ranked 1st with 29.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rabun, GA | 2 | $219.8M | 28.98% | 1st |
| Habersham, GA | 2 | $101.5M | 6.65% | 7th |
Georgia: 109th with 0.08% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 4 · 2026 4
Technology spend in line with peers (29 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).