The Four County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Four County Bank of Allentown, GA against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 2.06% | 3.14% | -1.08% | 84th top |
| ROAE | 16.70% | 10.40% | +6.30% | 84th top |
| Net Interest Margin | 4.89% | 3.93% | +0.96% | 84th top |
| Efficiency Ratio | 55.18% | 76.35% | -21.17% | 79th top |
| PPNR / Avg Assets | 2.27% | 1.40% | +0.87% | 86th top |
| Yield on Earning Assets | 6.86% | 5.35% | +1.51% | 93rd top |
| Cost of Funds | 2.26% | 1.70% | +0.56% | 20th bottom |
| Net Interest Spread | 3.97% | 3.31% | +0.66% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.57% | 1.34% | -0.77% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.71% | -0.32% | 37th below |
| NCO / Avg Loans | 0.44% | 0.10% | +0.34% | 5th bottom |
| ACL / Total Loans | 2.21% | 1.48% | +0.73% | 86th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 389.38% | 865.84% | -476.46% | 74th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.23% | 8.26% | -5.03% | 44th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 63.83% | 315.86% | -252.03% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.83% | 17.61% | -3.78% | 57th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.95% | 16.43% | -3.48% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.95% | 16.18% | -3.23% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.30% | 72.81% | +6.49% | 32nd below |
| Core Deposit Ratio | 79.88% | 88.23% | -8.35% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.99% | 4.32% | -6.31% | 21st bottom |
| Loan Growth (Y/Y) | -1.23% | 6.74% | -7.97% | 35th below |
| Deposit Growth (Y/Y) | -3.08% | 3.79% | -6.87% | 20th bottom |
See The Four County Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Four County 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 The Four County Bank profile, how to read a UBPR, or how this data updates.