Flint Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Flint Community Bank of Albany, GA against its peer group of 2672 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 | 2.16% | 1.34% | +0.82% | 89th top |
| ROAE | 24.13% | 13.31% | +10.82% | 95th top |
| Net Interest Margin | 4.32% | 3.93% | +0.39% | 71st above |
| Efficiency Ratio | 50.32% | 61.14% | -10.82% | 80th top |
| PPNR / Avg Assets | 2.30% | 1.68% | +0.62% | 83rd top |
| Yield on Earning Assets | 6.02% | 5.67% | +0.35% | 69th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.81% | 1.88% | -0.07% | 49th below |
| Net Interest Spread | 3.63% | 3.32% | +0.31% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.08% | 0.94% | +1.14% | 12th bottom |
| NPA / Total Assets | 1.69% | 0.70% | +0.99% | 10th bottom |
| NCO / Avg Loans | 0.19% | 0.16% | +0.03% | 13th bottom |
| ACL / Total Loans | 1.34% | 1.28% | +0.06% | 66th above |
| ACL / NPLs (Coverage) | 64.53% | 1539.23% | -1474.70% | 16th bottom |
| Texas Ratio | 16.81% | 7.33% | +9.48% | 11th bottom |
| Provision / NCO | 113.74% | 1396.16% | -1282.42% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.72% | 19.51% | -6.79% | 24th bottom |
| Tier 1 Ratio | 12.72% | 19.54% | -6.82% | 24th bottom |
| Total Capital Ratio | 13.97% | 20.63% | -6.66% | 26th below |
| Leverage Ratio | 9.06% | 12.14% | -3.08% | 13th bottom |
| Equity / Assets | 9.00% | 11.38% | -2.38% | 27th below |
| TCE / Tangible Assets | 9.00% | 11.09% | -2.09% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.10% | 80.63% | +9.47% | 28th below |
| Core Deposit Ratio | 93.84% | 86.86% | +6.98% | 78th top |
| Wholesale Funding Ratio | 3.36% | 5.03% | -1.67% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.88% | 6.85% | +1.03% | 74th above |
| Loan Growth (Y/Y) | 1.49% | 7.90% | -6.41% | 29th below |
| Deposit Growth (Y/Y) | 10.46% | 6.29% | +4.17% | 84th top |
See Flint Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Flint Community Bank, 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 Flint Community Bank profile, how to read a UBPR, or how this data updates.