Bank Comparison
Georgia Banking Company vs Tradition Capital Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
21 · 3
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Georgia Banking Company | Tradition Capital Bank |
|---|---|---|
| CET1 Ratio | 11.54% | 10.46% |
| Tier 1 Capital Ratio | 11.54% | 10.46% |
| Total Capital Ratio | 12.74% | 11.67% |
| Tier 1 Leverage Ratio | 10.15% | 8.73% |
| Equity / Assets | 9.94% | 8.27% |
Profitability
| Metric | Georgia Banking Company | Tradition Capital Bank |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 0.81% |
| Return on Equity (ROE) | 12.83% | 9.81% |
| Net Interest Margin (NIM) | 4.51% | 2.85% |
| Yield on Earning Assets | 6.58% | 5.24% |
| Cost of Funds | 2.16% | 2.58% |
Asset quality
| Metric | Georgia Banking Company | Tradition Capital Bank |
|---|---|---|
| Texas Ratio | 6.39% | 21.60% |
| Non-Performing Loan Ratio | 0.76% | 2.29% |
| Non-Performing Asset Ratio | 0.65% | 2.00% |
| Net Charge-Off Ratio | 0.18% | 0.20% |
| ACL / Loans | 1.08% | 1.23% |
Balance sheet
| Metric | Georgia Banking Company | Tradition Capital Bank |
|---|---|---|
| Total Assets | $2,675M | $2,675M |
| Total Deposits | $2,244M | $2,091M |
| Total Loans | $2,279M | $2,172M |
| Total Equity | $266,039K | $221,268K |
| Net Income (quarter) | $8,405K | $5,366K |
Liquidity & funding
| Metric | Georgia Banking Company | Tradition Capital Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.57% | 103.85% |
| Core Deposit Ratio | 90.50% | 95.97% |
| Uninsured Deposit Ratio | 46.87% | 43.69% |
Identity
| Metric | Georgia Banking Company | Tradition Capital Bank |
|---|---|---|
| Headquarters City | ATLANTA | WAYZATA |
| Headquarters State | GA | MN |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 4 |
| Employees (FTE) | 240 | 153 |
| Established | Nov. 1, 2001, midnight | July 1, 2005, 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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