The GEO. D. Warthen Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The GEO. D. Warthen Bank of Sandersville, 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 | 0.95% | 1.35% | -0.40% | 30th below |
| ROAE | 7.89% | 12.06% | -4.17% | 24th bottom |
| Net Interest Margin | 5.63% | 3.90% | +1.73% | 98th top |
| Efficiency Ratio | 77.39% | 63.14% | +14.25% | 16th bottom |
| PPNR / Avg Assets | 1.30% | 1.64% | -0.34% | 34th below |
| Yield on Earning Assets | 5.78% | 5.65% | +0.13% | 58th above |
| Cost of Funds | 0.17% | 1.85% | -1.68% | 99th top |
| Net Interest Spread | 5.46% | 3.35% | +2.11% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.27% | 0.92% | +0.35% | 23rd bottom |
| NPA / Total Assets | 0.80% | 0.67% | +0.13% | 27th below |
| NCO / Avg Loans | 0.39% | 0.14% | +0.25% | 8th bottom |
| ACL / Total Loans | 1.42% | 1.28% | +0.14% | 73rd above |
| ACL / NPLs (Coverage) | 111.54% | 1645.79% | -1534.25% | 31st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.81% | 7.15% | -1.34% | 36th below |
| Provision / NCO | 58.54% | 1189.89% | -1131.35% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.74% | 20.83% | +1.91% | 84th top |
| Tier 1 Ratio | 22.74% | 20.86% | +1.88% | 84th top |
| Total Capital Ratio | 23.99% | 21.93% | +2.06% | 85th top |
| Leverage Ratio | 13.01% | 12.46% | +0.55% | 75th top |
| Equity / Assets | 12.92% | 11.67% | +1.25% | 78th top |
| TCE / Tangible Assets | 12.92% | 11.40% | +1.52% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.79% | 78.65% | -12.86% | 76th top |
| Core Deposit Ratio | 98.67% | 87.09% | +11.58% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.39% | 6.48% | -11.87% | 4th bottom |
| Loan Growth (Y/Y) | -5.15% | 7.64% | -12.79% | 7th bottom |
| Deposit Growth (Y/Y) | -6.70% | 6.03% | -12.73% | 4th bottom |
See The GEO. D. Warthen Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The GEO. D. Warthen 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 GEO. D. Warthen Bank profile, how to read a UBPR, or how this data updates.