First National Bank of Decatur County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Decatur County of Bainbridge, GA against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.21% | 1.34% | -1.13% | 7th bottom |
| ROAE | 3.25% | 13.32% | -10.07% | 10th bottom |
| Net Interest Margin | 3.63% | 3.93% | -0.30% | 33rd below |
| Efficiency Ratio | 88.87% | 61.13% | +27.74% | 7th bottom |
| PPNR / Avg Assets | 0.30% | 1.68% | -1.38% | 5th bottom |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 72nd above |
| Cost of Funds | 2.12% | 1.88% | +0.24% | 31st below |
| Net Interest Spread | 3.13% | 3.32% | -0.19% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.94% | -0.62% | 56th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.32% | 0.70% | -0.38% | 49th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 41st below |
| ACL / Total Loans | 0.92% | 1.28% | -0.36% | 19th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 292.10% | 1539.15% | -1247.05% | 59th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.09% | 7.33% | -2.24% | 41st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 296.36% | 1396.07% | -1099.71% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.98% | 19.51% | -9.53% | 3rd bottom |
| Tier 1 Ratio | 9.98% | 19.54% | -9.56% | 2nd bottom |
| Total Capital Ratio | 10.99% | 20.63% | -9.64% | 2nd bottom |
| Leverage Ratio | 7.42% | 12.14% | -4.72% | 1st bottom |
| Equity / Assets | 6.32% | 11.38% | -5.06% | 4th bottom |
| TCE / Tangible Assets | 6.32% | 11.09% | -4.77% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.98% | 80.64% | +0.34% | 49th below |
| Core Deposit Ratio | 71.55% | 86.87% | -15.32% | 6th bottom |
| Wholesale Funding Ratio | 1.31% | 5.04% | -3.73% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.85% | 6.85% | -2.00% | 53rd above |
| Loan Growth (Y/Y) | 11.71% | 7.90% | +3.81% | 79th top |
| Deposit Growth (Y/Y) | 3.83% | 6.29% | -2.46% | 49th below |
See First National Bank of Decatur County's peers by name
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Unlock First National Bank of Decatur County, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank of Decatur County profile, how to read a UBPR, or how this data updates.