The Four County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 196.98 percentage points in Q2 2026, from 192.40% to 389.38%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, The Four County Bank is 23rd of 121 on return on assets, 2.06% as of Q2 2026, above the middle of the field. The Four County Bank's return on assets of 2.06% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 1.08 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.83% |
| Equity capital to assets | 12.95% |
| Tangible equity to tangible assets | 12.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.57% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.44% |
| Texas ratio | 3.23% |
| Allowance for credit losses to loans | 2.21% |
| Reserve coverage of non-performing loans | 389.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.06% |
| Return on equity | 16.70% |
| Net interest margin | 4.89% |
| Efficiency ratio | 55.18% |
| Yield on earning assets | 6.86% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.30% |
| Core deposits to total deposits | 79.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.57% |
| Securities to assets | 12.92% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.90% | 1.80% | 4.13% | 0.25% | 0.08% |
| Q4 2023 | 13.41% | 1.84% | 4.23% | 0.07% | 0.04% |
| Q1 2024 | 12.90% | 1.84% | 4.31% | 0.03% | 0.19% |
| Q2 2024 | 13.26% | 1.60% | 4.26% | 0.27% | 0.26% |
| Q3 2024 | 13.43% | 1.64% | 4.26% | 0.28% | 0.00% |
| Q4 2024 | 13.33% | 1.60% | 4.22% | 0.44% | 0.31% |
| Q1 2025 | 12.57% | 1.49% | 4.06% | 0.74% | 0.09% |
| Q2 2025 | 13.29% | 2.15% | 4.52% | 0.50% | -0.19% |
| Q3 2025 | 13.53% | 1.79% | 4.46% | 0.54% | 0.01% |
| Q4 2025 | 13.83% | 1.84% | 4.56% | 1.29% | 0.09% |
| Q1 2026 | 12.98% | 1.78% | 4.44% | 1.15% | 0.49% |
| Q2 2026 | 13.83% | 2.06% | 4.89% | 0.57% | 0.44% |
The Four County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Four County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Four County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15904) · FFIEC NIC profile (RSSD 7634)