Georgia Banking Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Georgia Banking Company of Atlanta, GA against its peer group of 931 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 | 0.96% | 1.46% | -0.50% | 27th below |
| ROAE | 9.27% | 12.72% | -3.45% | 27th below |
| Net Interest Margin | 4.43% | 3.85% | +0.58% | 86th top |
| Efficiency Ratio | 68.57% | 57.39% | +11.18% | 24th bottom |
| PPNR / Avg Assets | 1.46% | 1.88% | -0.42% | 34th below |
| Yield on Earning Assets | 6.54% | 5.72% | +0.82% | 90th top |
| Cost of Funds | 1.90% | 2.02% | -0.12% | 57th above |
| Net Interest Spread | 3.63% | 3.18% | +0.45% | 82nd 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. | 0.67% | 1.00% | -0.33% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.76% | -0.23% | 47th below |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 85th top |
| ACL / Total Loans | 1.12% | 1.31% | -0.19% | 45th below |
| ACL / NPLs (Coverage) | 167.68% | 543.84% | -376.16% | 47th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.31% | 7.39% | -2.08% | 47th below |
| Provision / NCO | 113.00% | 619.36% | -506.36% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.83% | 17.34% | -5.51% | 21st bottom |
| Tier 1 Ratio | 11.83% | 17.38% | -5.55% | 20th bottom |
| Total Capital Ratio | 13.05% | 18.43% | -5.38% | 23rd bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.78% | 11.44% | -0.66% | 56th above |
| Equity / Assets | 9.73% | 11.34% | -1.61% | 37th below |
| TCE / Tangible Assets | 9.17% | 10.50% | -1.33% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.00% | 86.95% | +3.05% | 46th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.81% | 85.55% | +1.26% | 41st below |
| Uninsured Deposit Ratio | 44.10% | 33.11% | +10.99% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 25.78% | 9.66% | +16.12% | 94th top |
| Loan Growth (Y/Y) | 15.37% | 8.05% | +7.32% | 87th top |
| Deposit Growth (Y/Y) | 37.94% | 7.83% | +30.11% | 96th top |
See Georgia Banking Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Georgia Banking Company, 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 Georgia Banking Company profile, how to read a UBPR, or how this data updates.