Bank of Alapaha: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Alapaha of Alapaha, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.65% | 1.34% | -0.69% | 17th bottom |
| ROAE | 8.47% | 13.32% | -4.85% | 28th below |
| Net Interest Margin | 3.39% | 3.93% | -0.54% | 23rd bottom |
| Efficiency Ratio | 77.30% | 61.14% | +16.16% | 16th bottom |
| PPNR / Avg Assets | 0.81% | 1.68% | -0.87% | 15th bottom |
| Yield on Earning Assets | 4.61% | 5.67% | -1.06% | 11th bottom |
| Cost of Funds | 1.32% | 1.88% | -0.56% | 79th top |
| Net Interest Spread | 2.76% | 3.32% | -0.56% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.73% | 0.94% | -0.21% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.37% | 0.70% | -0.33% | 46th below |
| NCO / Avg Loans | -0.08% | 0.16% | -0.24% | 96th top |
| ACL / Total Loans | 2.35% | 1.28% | +1.07% | 96th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 321.60% | 1539.00% | -1217.40% | 62nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.21% | 7.33% | -3.12% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.50% | 19.50% | +0.00% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.50% | 19.54% | -0.04% | 75th top |
| Total Capital Ratio | 20.76% | 20.62% | +0.14% | 76th top |
| Leverage Ratio | 10.23% | 12.14% | -1.91% | 36th below |
| Equity / Assets | 7.71% | 11.38% | -3.67% | 11th bottom |
| TCE / Tangible Assets | 7.71% | 11.09% | -3.38% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.10% | 80.64% | -25.54% | 88th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.15% | 86.86% | +1.29% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.68% | 6.85% | -1.17% | 60th above |
| Loan Growth (Y/Y) | 3.25% | 7.90% | -4.65% | 38th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.13% | 6.29% | -1.16% | 58th above |
See Bank of Alapaha's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Alapaha, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Alapaha profile, how to read a UBPR, or how this data updates.