PROMISEONE BANK
PROMISEONE BANK is an FDIC-insured commercial bank headquartered in DULUTH, GA, established in 2008. As of , 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 3.11%. CET1 capital ratio: 15.58%, well above regulatory minimums. NPL ratio: 1.03% · Texas Ratio: 9.52%. Operates 10 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Promiseone Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 15.58% | 1.63% | 1.03% | 9.52% | 3.11% |
| 2025-09-30 | 15.99% | 1.49% | 1.03% | 10.93% | 3.18% |
| 2025-06-30 | 15.92% | 1.40% | 1.36% | 12.18% | 3.24% |
| 2025-03-31 | 15.92% | 1.38% | 1.18% | 11.46% | 2.97% |
| 2024-12-31 | 16.26% | 1.44% | 1.11% | 9.54% | 3.00% |
| 2024-09-30 | 17.05% | 1.58% | 1.30% | 10.61% | 2.84% |
| 2024-06-30 | 16.99% | 1.54% | 0.87% | 7.48% | 2.90% |
| 2024-03-31 | 17.17% | 1.54% | 0.39% | 3.86% | 2.87% |
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Frequently asked about PROMISEONE BANK
What are Promiseone Bank's total assets?
As of the Q4 2025 filing, Promiseone Bank reported total assets of $837.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Promiseone Bank headquartered?
Promiseone Bank is headquartered in DULUTH, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Promiseone Bank founded?
Promiseone Bank was established in 2008, per the FDIC institution directory.
Is Promiseone Bank FDIC-insured?
Yes. Promiseone Bank is an FDIC-insured commercial bank (FDIC Certificate #58657). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Promiseone Bank?
Promiseone Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Promiseone Bank's CET1 capital ratio?
Promiseone Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.58% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Promiseone Bank operate?
Promiseone Bank operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Promiseone Bank's Texas Ratio?
Promiseone Bank's Texas Ratio is 9.52% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.