Bank Comparison
Bank of Bennington, the vs Northeast Georgia Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 17
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Bennington, the | Northeast Georgia Bank |
|---|---|---|
| CET1 Ratio | 19.61% | — |
| Tier 1 Capital Ratio | 19.61% | — |
| Total Capital Ratio | 20.87% | — |
| Tier 1 Leverage Ratio | 11.40% | 12.77% |
| Equity / Assets | 10.74% | 11.86% |
Profitability
| Metric | Bank of Bennington, the | Northeast Georgia Bank |
|---|---|---|
| Return on Assets (ROA) | 0.84% | 2.54% |
| Return on Equity (ROE) | 7.77% | 20.35% |
| Net Interest Margin (NIM) | 3.01% | 4.52% |
| Yield on Earning Assets | 4.75% | 5.46% |
| Cost of Funds | 1.92% | 1.04% |
Asset quality
| Metric | Bank of Bennington, the | Northeast Georgia Bank |
|---|---|---|
| Texas Ratio | 1.79% | 0.14% |
| Non-Performing Loan Ratio | 0.27% | 0.00% |
| Non-Performing Asset Ratio | 0.21% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.08% |
| ACL / Loans | 1.11% | 1.56% |
Balance sheet
| Metric | Bank of Bennington, the | Northeast Georgia Bank |
|---|---|---|
| Total Assets | $650,111K | $650,820K |
| Total Deposits | $490,704K | $566,618K |
| Total Loans | $499,287K | $328,290K |
| Total Equity | $69,837K | $77,170K |
| Net Income (quarter) | $1,343K | $4,170K |
Liquidity & funding
| Metric | Bank of Bennington, the | Northeast Georgia Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.75% | 57.94% |
| Core Deposit Ratio | 94.64% | 93.94% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Bennington, the | Northeast Georgia Bank |
|---|---|---|
| Headquarters City | BENNINGTON | LAVONIA |
| Headquarters State | VT | GA |
| Asset Tier | Medium | Medium |
| Charter Class | 705214 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 9 |
| Employees (FTE) | 59 | 91 |
| Established | Jan. 1, 1917, midnight | Jan. 1, 1934, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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