Bank of Hancock County: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 400.86 percentage points higher than in Q1 2026, at 1422.92%. On return on assets, Bank of Hancock County is 10th from the bottom among 121 Georgia banks, 0.55% (Q2 2026). Bank of Hancock County reported 0.55% on return on assets for Q2 2026, 0.42 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 20.15% |
| Equity capital to assets | 16.02% |
| Tangible equity to tangible assets | 16.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.28% |
| Texas ratio | 1.00% |
| Allowance for credit losses to loans | 3.91% |
| Reserve coverage of non-performing loans | 1422.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.55% |
| Return on equity | 3.52% |
| Net interest margin | 3.41% |
| Efficiency ratio | 79.63% |
| Yield on earning assets | 4.40% |
| Cost of funds | 1.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 24.48% |
| Core deposits to total deposits | 96.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.74% |
| Securities to assets | 59.22% |
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 | — | — | — | 22.17% | 0.58% |
| Q4 2023 | — | — | — | 19.88% | 0.77% |
| Q1 2024 | 35.01% | 35.01% | 36.27% | 20.84% | 0.31% |
| Q2 2024 | 36.59% | 36.59% | 37.85% | 22.64% | 0.51% |
| Q3 2024 | — | — | — | 21.82% | 0.45% |
| Q4 2024 | — | — | — | 20.94% | 1.06% |
| Q1 2025 | — | — | — | 18.94% | 0.42% |
| Q2 2025 | — | — | — | 20.24% | 0.44% |
| Q3 2025 | — | — | — | 20.95% | 0.23% |
| Q4 2025 | — | — | — | 20.01% | 1.18% |
| Q1 2026 | — | — | — | 19.95% | 0.35% |
| Q2 2026 | — | — | — | 20.15% | 0.55% |
Bank of Hancock County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hancock County, 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 Hancock County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10057) · FFIEC NIC profile (RSSD 37)