Colony Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Colony Bank of Fitzgerald, GA against its peer group of 931 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 | 1.21% | 1.44% | -0.23% | 45th below |
| ROAE | 11.07% | 12.51% | -1.44% | 41st below |
| Net Interest Margin | 3.57% | 3.84% | -0.27% | 40th below |
| Efficiency Ratio | 60.70% | 58.87% | +1.83% | 42nd below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.77% | 1.78% | -0.01% | 55th above |
| Yield on Earning Assets | 5.30% | 5.71% | -0.41% | 35th below |
| Cost of Funds | 1.86% | 2.03% | -0.17% | 59th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.09% | 3.18% | -0.09% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.96% | -0.18% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.59% | 0.75% | -0.16% | 43rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.29% | 0.31% | -0.02% | 15th bottom |
| ACL / Total Loans | 0.89% | 1.25% | -0.36% | 18th bottom |
| ACL / NPLs (Coverage) | 113.01% | 699.49% | -586.48% | 35th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.07% | 7.16% | -1.09% | 41st below |
| Provision / NCO | 103.44% | 815.47% | -712.03% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.55% | 17.41% | -3.86% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.55% | 17.45% | -3.90% | 51st above |
| Total Capital Ratio | 14.42% | 18.51% | -4.09% | 46th below |
| Leverage Ratio | 9.97% | 11.60% | -1.63% | 36th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.18% | 11.33% | -0.15% | 63rd above |
| TCE / Tangible Assets | 9.33% | 10.65% | -1.32% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.72% | 86.36% | -3.64% | 65th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.09% | 85.55% | +1.54% | 42nd below |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.42% | 32.71% | -0.29% | 46th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.70% | 5.45% | -0.75% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.47% | 10.45% | +6.02% | 88th top |
| Loan Growth (Y/Y) | 23.48% | 7.98% | +15.50% | 93rd top |
| Deposit Growth (Y/Y) | 16.11% | 7.97% | +8.14% | 87th top |
See Colony Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Colony Bank, 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 Colony Bank profile, how to read a UBPR, or how this data updates.