Bank of Alapaha: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 9.21 percentage points in Q2 2026, from 330.80% to 321.60%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Bank of Alapaha is 13th from the bottom among 121 Georgia banks, 0.65% (Q2 2026). Bank of Alapaha reported 0.65% on return on assets for Q2 2026, 0.61 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.50% |
| Tier 1 risk-based capital ratio | 19.50% |
| Total risk-based capital ratio | 20.76% |
| Tier 1 leverage ratio | 10.23% |
| Equity capital to assets | 7.71% |
| Tangible equity to tangible assets | 7.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.37% |
| Net charge-off ratio | -0.08% |
| Texas ratio | 4.21% |
| Allowance for credit losses to loans | 2.35% |
| Reserve coverage of non-performing loans | 321.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.65% |
| Return on equity | 8.47% |
| Net interest margin | 3.39% |
| Efficiency ratio | 77.30% |
| Yield on earning assets | 4.61% |
| Cost of funds | 1.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.10% |
| Core deposits to total deposits | 88.15% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.63% |
| Securities to assets | 24.34% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.31% | 17.31% | 18.57% | 10.32% | 0.51% |
| Q4 2023 | 17.68% | 17.68% | 18.94% | 10.11% | 1.03% |
| Q1 2024 | 18.39% | 18.39% | 19.66% | 10.04% | 0.51% |
| Q2 2024 | 17.79% | 17.79% | 19.05% | 10.64% | 0.55% |
| Q3 2024 | 18.52% | 18.52% | 19.78% | 10.87% | 0.54% |
| Q4 2024 | 18.32% | 18.32% | 19.58% | 10.06% | 0.48% |
| Q1 2025 | 18.91% | 18.91% | 20.17% | 9.97% | 0.64% |
| Q2 2025 | 18.78% | 18.78% | 20.04% | 10.24% | 0.81% |
| Q3 2025 | 19.47% | 19.47% | 20.73% | 10.39% | 0.85% |
| Q4 2025 | 19.43% | 19.43% | 20.69% | 10.06% | 0.63% |
| Q1 2026 | 19.94% | 19.94% | 21.20% | 10.08% | 0.66% |
| Q2 2026 | 19.50% | 19.50% | 20.76% | 10.23% | 0.65% |
Bank of Alapaha vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Alapaha, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Alapaha profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 155) · FFIEC NIC profile (RSSD 986935)