The GEO. D. Warthen 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.
Loan-to-deposit ratio climbed 6.58 percentage points in Q2 2026, from 59.21% to 65.79%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, The GEO. D. Warthen Bank is 96th of 121 on return on assets, 0.95% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The GEO. D. Warthen Bank sits 0.30 points lower, at 0.95% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.74% |
| Tier 1 risk-based capital ratio | 22.74% |
| Total risk-based capital ratio | 23.99% |
| Tier 1 leverage ratio | 13.01% |
| Equity capital to assets | 12.92% |
| Tangible equity to tangible assets | 12.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.27% |
| Non-performing assets ratio | 0.80% |
| Net charge-off ratio | 0.39% |
| Texas ratio | 5.81% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 111.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 7.89% |
| Net interest margin | 5.63% |
| Efficiency ratio | 77.39% |
| Yield on earning assets | 5.78% |
| Cost of funds | 0.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.79% |
| Core deposits to total deposits | 98.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.62% |
| Securities to assets | 27.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.28% | 16.28% | 17.44% | 9.52% | 1.26% |
| Q4 2023 | 17.06% | 17.06% | 18.15% | 10.14% | 1.37% |
| Q1 2024 | 17.47% | 17.47% | 18.59% | 9.97% | 1.18% |
| Q2 2024 | 18.18% | 18.18% | 19.37% | 10.56% | 1.28% |
| Q3 2024 | 19.49% | 19.49% | 20.74% | 10.88% | 1.18% |
| Q4 2024 | 20.07% | 20.07% | 21.32% | 11.38% | 1.10% |
| Q1 2025 | 20.01% | 20.01% | 21.26% | 11.47% | 1.13% |
| Q2 2025 | 20.26% | 20.26% | 21.51% | 11.95% | 1.18% |
| Q3 2025 | 21.37% | 21.37% | 22.63% | 12.41% | 1.13% |
| Q4 2025 | 21.62% | 21.62% | 22.87% | 12.85% | 1.41% |
| Q1 2026 | 22.37% | 22.37% | 23.62% | 12.51% | 1.18% |
| Q2 2026 | 22.74% | 22.74% | 23.99% | 13.01% | 0.95% |
The GEO. D. Warthen Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The GEO. D. Warthen 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 GEO. D. Warthen Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2154) · FFIEC NIC profile (RSSD 305237)