PROMISEONE BANK

DULUTH, GA | Medium | Est. Nov. 6, 2008, midnight | FDIC #58657 | RSSD #3832127 | FDIC
Latest Report: 2025-12-31

PROMISEONE BANK is amn medium FDIC-insured commercial bank headquartered in DULUTH, GA, established in Nov. 6, 2008, midnight. As of 2025-12-31, the bank reported total assets of $837M and total deposits of $758M. Profitability stands at 1.63% ROA and 19.96% ROE, with a net interest margin of 3.34%. The bank's CET1 capital ratio is 15.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.86% and a Texas Ratio of 8.08%. FDIC Certificate #58657.

Assets

$837M

Deposits

$758M

Loans

$612M

Equity

$68M

Profitability

Return on Assets (ROA) 1.63%
Return on Equity (ROE) 19.96%
Net Interest Margin (NIM) 3.34%
Yield on Assets 6.45%
Cost of Funds 3.16%

Asset Quality

NPL Ratio 0.86%
Net Charge-Off Ratio 0.08%
Texas Ratio 8.08%
NPA Ratio 0.71%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 15.58%
Tier 1 Capital 15.58%
Total Capital Ratio 16.74%
Leverage Ratio 9.89%
Loan-to-Deposit 80.70%

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