Community Bank of Pickens County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank of Pickens County of Jasper, 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 | 2.40% | 1.34% | +1.06% | 93rd top |
| ROAE | 17.73% | 13.31% | +4.42% | 79th top |
| Net Interest Margin | 4.76% | 3.93% | +0.83% | 87th top |
| Efficiency Ratio | 37.81% | 61.15% | -23.34% | 97th top |
| PPNR / Avg Assets | 3.12% | 1.68% | +1.44% | 96th top |
| Yield on Earning Assets | 6.61% | 5.67% | +0.94% | 89th top |
| Cost of Funds | 2.10% | 1.88% | +0.22% | 32nd below |
| Net Interest Spread | 3.99% | 3.32% | +0.67% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.20% | 0.94% | +1.26% | 11th bottom |
| NPA / Total Assets | 1.79% | 0.70% | +1.09% | 9th bottom |
| NCO / Avg Loans | -0.05% | 0.16% | -0.21% | 95th top |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 40th below |
| ACL / NPLs (Coverage) | 50.68% | 1539.66% | -1488.98% | 11th bottom |
| Texas Ratio | 12.30% | 7.33% | +4.97% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.94% | 19.50% | -0.56% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.94% | 19.54% | -0.60% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.13% | 20.62% | -0.49% | 74th above |
| Leverage Ratio | 13.55% | 12.14% | +1.41% | 79th top |
| Equity / Assets | 13.69% | 11.37% | +2.32% | 83rd top |
| TCE / Tangible Assets | 13.69% | 11.09% | +2.60% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.99% | 80.63% | +10.36% | 26th below |
| Core Deposit Ratio | 84.77% | 86.86% | -2.09% | 30th below |
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. | 5.62% | 6.85% | -1.23% | 59th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.74% | 7.90% | -0.16% | 64th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.77% | 6.29% | -0.52% | 62nd above |
See Community Bank of Pickens County'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 Pickens 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 Community Bank of Pickens County profile, how to read a UBPR, or how this data updates.