Bank of Hancock County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Hancock County of Sparta, GA against its peer group of 536 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 | 0.55% | 3.14% | -2.59% | 28th below |
| ROAE | 3.52% | 10.43% | -6.91% | 27th below |
| Net Interest Margin | 3.41% | 3.93% | -0.52% | 27th below |
| Efficiency Ratio | 79.63% | 76.29% | +3.34% | 32nd below |
| PPNR / Avg Assets | 0.55% | 1.40% | -0.85% | 21st bottom |
| Yield on Earning Assets | 4.40% | 5.35% | -0.95% | 19th bottom |
| Cost of Funds | 1.19% | 1.71% | -0.52% | 69th above |
| Net Interest Spread | 2.69% | 3.31% | -0.62% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 1.34% | -1.07% | 50th above |
| NPA / Total Assets | 0.06% | 0.71% | -0.65% | 56th above |
| NCO / Avg Loans | 0.28% | 0.10% | +0.18% | 8th bottom |
| ACL / Total Loans | 3.91% | 1.48% | +2.43% | 97th top |
| ACL / NPLs (Coverage) | 1422.92% | 862.19% | +560.73% | — |
| Texas Ratio | 1.00% | 8.27% | -7.27% | 57th above |
| Provision / NCO | 0.00% | 316.19% | -316.19% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 20.15% | 17.60% | +2.55% | 80th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 16.02% | 16.42% | -0.40% | 72nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 16.02% | 16.17% | -0.15% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 24.48% | 72.94% | -48.46% | 93rd top |
| Core Deposit Ratio | 96.39% | 88.20% | +8.19% | 79th top |
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. | 2.80% | 4.31% | -1.51% | 50th above |
| Loan Growth (Y/Y) | -9.19% | 6.76% | -15.95% | 11th bottom |
| Deposit Growth (Y/Y) | 0.76% | 3.78% | -3.02% | 42nd below |
See Bank of Hancock County's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Hancock County, 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 Hancock County profile, how to read a UBPR, or how this data updates.