Community Bank of Georgia: 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: 75.81 percentage points higher than in Q1 2026, at 337.61%. Within Georgia, Community Bank of Georgia is 32nd of 121 on return on assets, 1.90% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Community Bank of Georgia reported 1.90% on return on assets in Q2 2026, 0.65 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.99% |
| Equity capital to assets | 10.28% |
| Tangible equity to tangible assets | 10.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.56% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 6.82% |
| Allowance for credit losses to loans | 1.87% |
| Reserve coverage of non-performing loans | 337.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.90% |
| Return on equity | 18.47% |
| Net interest margin | 4.77% |
| Efficiency ratio | 42.87% |
| Yield on earning assets | 6.45% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.56% |
| Core deposits to total deposits | 77.34% |
| Brokered deposits to total deposits | 13.25% |
| Deposits to assets | 88.92% |
| Securities to assets | 6.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.75% | 1.71% | 4.54% | 1.37% | -0.00% |
| Q4 2023 | 10.65% | 1.79% | 4.56% | 1.29% | 0.07% |
| Q1 2024 | 10.94% | 1.88% | 4.75% | 0.91% | -0.56% |
| Q2 2024 | 10.75% | 1.48% | 4.14% | 0.82% | -0.02% |
| Q3 2024 | 11.20% | 1.50% | 4.27% | 0.78% | 0.02% |
| Q4 2024 | 10.73% | 1.38% | 4.38% | 0.70% | -0.05% |
| Q1 2025 | 10.52% | 1.68% | 4.46% | 0.54% | 0.07% |
| Q2 2025 | 10.21% | 1.81% | 4.54% | 0.58% | 0.10% |
| Q3 2025 | 10.39% | 1.78% | 4.50% | 0.53% | -0.01% |
| Q4 2025 | 10.73% | 1.76% | 4.67% | 0.73% | -0.01% |
| Q1 2026 | 11.34% | 1.83% | 4.77% | 0.75% | 0.16% |
| Q2 2026 | 10.99% | 1.90% | 4.77% | 0.56% | 0.05% |
Community Bank of Georgia vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Georgia, 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 Community Bank of Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57579) · FFIEC NIC profile (RSSD 3213333)