Community Bank of Georgia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank of Georgia of Baxley, 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 | 1.90% | 1.34% | +0.56% | 82nd top |
| ROAE | 18.47% | 13.31% | +5.16% | 81st top |
| Net Interest Margin | 4.77% | 3.93% | +0.84% | 88th top |
| Efficiency Ratio | 42.87% | 61.14% | -18.27% | 92nd top |
| PPNR / Avg Assets | 2.79% | 1.68% | +1.11% | 94th top |
| Yield on Earning Assets | 6.45% | 5.67% | +0.78% | 86th top |
| Cost of Funds | 1.78% | 1.88% | -0.10% | 52nd above |
| Net Interest Spread | 4.21% | 3.32% | +0.89% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.56% | 0.94% | -0.38% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.70% | -0.31% | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 26th below |
| ACL / Total Loans | 1.87% | 1.28% | +0.59% | 91st top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 337.61% | 1539.02% | -1201.41% | 63rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.82% | 7.33% | -0.51% | 32nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 163.04% | 1395.98% | -1232.94% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.99% | 12.14% | -1.15% | 50th above |
| Equity / Assets | 10.28% | 11.37% | -1.09% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.28% | 11.09% | -0.81% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.56% | 80.64% | -2.08% | 54th above |
| Core Deposit Ratio | 77.34% | 86.86% | -9.52% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.55% | 6.85% | +0.70% | 72nd above |
| Loan Growth (Y/Y) | 23.38% | 7.90% | +15.48% | 95th top |
| Deposit Growth (Y/Y) | 6.87% | 6.29% | +0.58% | 70th above |
See Community Bank of Georgia's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank of Georgia, 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 Community Bank of Georgia profile, how to read a UBPR, or how this data updates.