Bank Comparison
Lead Bank vs Georgia Banking Company
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 | Lead Bank | Georgia Banking Company |
|---|---|---|
| CET1 Ratio | 22.41% | 11.54% |
| Tier 1 Capital Ratio | 22.41% | 11.54% |
| Total Capital Ratio | 23.66% | 12.74% |
| Tier 1 Leverage Ratio | 7.55% | 10.15% |
| Equity / Assets | 8.73% | 9.94% |
Profitability
| Metric | Lead Bank | Georgia Banking Company |
|---|---|---|
| Return on Assets (ROA) | 1.64% | 1.32% |
| Return on Equity (ROE) | 18.24% | 12.83% |
| Net Interest Margin (NIM) | 8.41% | 4.51% |
| Yield on Earning Assets | 9.23% | 6.58% |
| Cost of Funds | 0.78% | 2.16% |
Asset quality
| Metric | Lead Bank | Georgia Banking Company |
|---|---|---|
| Texas Ratio | 12.36% | 6.39% |
| Non-Performing Loan Ratio | 0.68% | 0.76% |
| Non-Performing Asset Ratio | 0.28% | 0.65% |
| Net Charge-Off Ratio | 0.75% | 0.18% |
| ACL / Loans | 1.41% | 1.08% |
Balance sheet
| Metric | Lead Bank | Georgia Banking Company |
|---|---|---|
| Total Assets | $2,680M | $2,675M |
| Total Deposits | $2,386M | $2,244M |
| Total Loans | $1,092M | $2,279M |
| Total Equity | $234,166K | $266,039K |
| Net Income (quarter) | $10,485K | $8,405K |
Liquidity & funding
| Metric | Lead Bank | Georgia Banking Company |
|---|---|---|
| Loan-to-Deposit Ratio | 45.78% | 101.57% |
| Core Deposit Ratio | 99.99% | 90.50% |
| Uninsured Deposit Ratio | 28.42% | 46.87% |
Identity
| Metric | Lead Bank | Georgia Banking Company |
|---|---|---|
| Headquarters City | KANSAS CITY | ATLANTA |
| Headquarters State | MO | GA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 9 |
| Employees (FTE) | 314 | 240 |
| Established | Jan. 12, 1928, midnight | Nov. 1, 2001, 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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