Community Bank of Pickens 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 Loan-to-deposit ratio: 4.57 percentage points higher than in Q1 2026, at 90.99%. Community Bank of Pickens County ranks 15th of 121 Georgia banks on return on assets, in the upper half at 2.40% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Community Bank of Pickens County reported 2.40% on return on assets in Q2 2026, 1.14 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.94% |
| Tier 1 risk-based capital ratio | 18.94% |
| Total risk-based capital ratio | 20.13% |
| Tier 1 leverage ratio | 13.55% |
| Equity capital to assets | 13.69% |
| Tangible equity to tangible assets | 13.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.20% |
| Non-performing assets ratio | 1.79% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 12.30% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 50.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.40% |
| Return on equity | 17.73% |
| Net interest margin | 4.76% |
| Efficiency ratio | 37.81% |
| Yield on earning assets | 6.61% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.99% |
| Core deposits to total deposits | 84.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.56% |
| Securities to assets | 13.39% |
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 | 18.30% | 18.30% | 19.55% | 11.81% | 2.16% |
| Q4 2023 | 18.11% | 18.11% | 19.36% | 12.18% | 2.23% |
| Q1 2024 | 18.47% | 18.47% | 19.72% | 12.64% | 2.25% |
| Q2 2024 | 18.21% | 18.21% | 19.46% | 13.08% | 2.28% |
| Q3 2024 | 17.77% | 17.77% | 19.02% | 12.75% | 2.33% |
| Q4 2024 | 18.07% | 18.07% | 19.32% | 12.81% | 2.14% |
| Q1 2025 | 19.39% | 19.39% | 20.64% | 13.18% | 2.49% |
| Q2 2025 | 19.47% | 19.47% | 20.72% | 13.74% | 2.96% |
| Q3 2025 | 19.31% | 19.31% | 20.57% | 13.21% | 2.58% |
| Q4 2025 | 19.07% | 19.07% | 20.29% | 13.42% | 2.30% |
| Q1 2026 | 19.57% | 19.57% | 20.79% | 13.64% | 2.28% |
| Q2 2026 | 18.94% | 18.94% | 20.13% | 13.55% | 2.40% |
Community Bank of Pickens County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Pickens 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 Community Bank of Pickens County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35513) · FFIEC NIC profile (RSSD 2943615)