| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +4.4% | -9.8 pts |
| Deposit growth (YoY) | -6.7% | +4.0% | -10.7 pts |
| Loan growth (YoY) | -5.1% | +5.6% | -10.7 pts |
| ROA | 1.10% | 1.24% | -0.1 pts |
| ROE | 8.9% | 11.9% | -3.0 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $190.3M | $162.9M | $105.7M | $24.6M | $1.1M | 1.10% | 5.85% | 0.80% |
| Q1 2026 | $206.7M | $179.1M | $104.5M | $24.4M | $606K | 1.21% | 5.79% | 0.80% |
| Q4 2025 | $195.3M | $168.2M | $110.7M | $24.7M | $2.5M | 1.24% | 5.85% | 0.67% |
| Q3 2025 | $198.5M | $171.5M | $108.7M | $24.0M | $1.8M | 1.17% | 5.75% | 0.78% |
| Q2 2025 | $201.1M | $174.6M | $111.4M | $22.9M | $1.2M | 1.18% | 5.73% | 0.72% |
| Q1 2025 | $203.3M | $177.2M | $109.0M | $22.3M | $588K | 1.16% | 5.61% | 0.75% |
| Q4 2024 | $202.1M | $177.6M | $108.2M | $22.0M | $2.6M | 1.20% | 5.47% | 0.78% |
| Q3 2024 | $211.4M | $186.3M | $108.3M | $22.0M | $2.0M | 1.22% | 5.40% | 0.73% |
Loan mix (Q2 2026): real estate $76.2M · commercial $15.3M · consumer $13.7M · securities $53.2M
| Ratio | The Geo. D. Warthen Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.24% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 11.9% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 62.9% | 79th |
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 | The Geo. D. Warthen 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 | The Geo. D. Warthen 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 | The Geo. D. Warthen 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 | The Geo. D. Warthen 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 | The Geo. D. Warthen 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.
Spends 2.7× the peer median on technology. 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).
1 branches in 1 county across 1 state (+0 vs 2025) · $162.9M branch deposits. Biggest market: Washington, GA, ranked 2nd with 35.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, GA | 1 | $162.9M | 35.09% | 2nd |
Georgia: 161st with 0.04% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1