Bank Comparison
Georgia Banking Company vs The Piedmont Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 7
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Georgia Banking Company | The Piedmont Bank |
|---|---|---|
| CET1 Ratio | 11.54% | 10.27% |
| Tier 1 Capital Ratio | 11.54% | 10.27% |
| Total Capital Ratio | 12.74% | 11.13% |
| Tier 1 Leverage Ratio | 10.15% | 9.81% |
| Equity / Assets | 9.94% | 9.68% |
Profitability
| Metric | Georgia Banking Company | The Piedmont Bank |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 1.07% |
| Return on Equity (ROE) | 12.83% | 10.83% |
| Net Interest Margin (NIM) | 4.51% | 4.17% |
| Yield on Earning Assets | 6.58% | 6.93% |
| Cost of Funds | 2.16% | 2.97% |
Asset quality
| Metric | Georgia Banking Company | The Piedmont Bank |
|---|---|---|
| Texas Ratio | 6.39% | 0.00% |
| Non-Performing Loan Ratio | 0.76% | 0.00% |
| Non-Performing Asset Ratio | 0.65% | 0.00% |
| Net Charge-Off Ratio | 0.18% | 0.00% |
| ACL / Loans | 1.08% | 0.85% |
Balance sheet
| Metric | Georgia Banking Company | The Piedmont Bank |
|---|---|---|
| Total Assets | $2,675M | $2,401M |
| Total Deposits | $2,244M | $2,142M |
| Total Loans | $2,279M | $2,088M |
| Total Equity | $266,039K | $232,456K |
| Net Income (quarter) | $8,405K | $6,232K |
Liquidity & funding
| Metric | Georgia Banking Company | The Piedmont Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.57% | 97.48% |
| Core Deposit Ratio | 90.50% | 89.96% |
| Uninsured Deposit Ratio | 46.87% | 28.02% |
Identity
| Metric | Georgia Banking Company | The Piedmont Bank |
|---|---|---|
| Headquarters City | ATLANTA | Peachtree Corners |
| Headquarters State | GA | GA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 16 |
| Employees (FTE) | 240 | 193 |
| Established | Nov. 1, 2001, midnight | Nov. 6, 2006, 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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