Georgia Banking Company: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 26.10 percentage points higher than in Q1 2026, at 167.68%. Within Georgia, Georgia Banking Company is 95th of 121 on return on assets, 0.96% as of Q2 2026, below the middle of the field. Georgia Banking Company reported 0.96% on return on assets for Q2 2026, 0.32 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.83% |
| Total risk-based capital ratio | 13.05% |
| Tier 1 leverage ratio | 10.78% |
| Equity capital to assets | 9.73% |
| Tangible equity to tangible assets | 9.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.67% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.31% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 167.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.96% |
| Return on equity | 9.27% |
| Net interest margin | 4.43% |
| Efficiency ratio | 68.57% |
| Yield on earning assets | 6.54% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.00% |
| Core deposits to total deposits | 86.81% |
| Brokered deposits to total deposits | 4.57% |
| Deposits to assets | 88.30% |
| Securities to assets | 3.84% |
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 | 11.20% | 11.20% | 12.46% | 9.76% | 1.03% |
| Q4 2023 | 11.13% | 11.13% | 12.38% | 9.62% | 0.79% |
| Q1 2024 | 10.38% | 10.38% | 11.63% | 9.62% | 0.50% |
| Q2 2024 | 10.08% | 10.08% | 11.26% | 8.95% | 0.13% |
| Q3 2024 | 9.83% | 9.83% | 11.01% | 8.75% | 0.75% |
| Q4 2024 | 9.98% | 9.98% | 11.19% | 8.22% | 0.88% |
| Q1 2025 | 10.72% | 10.72% | 11.93% | 10.07% | 0.07% |
| Q2 2025 | 10.41% | 10.41% | 11.57% | 9.33% | 1.28% |
| Q3 2025 | 10.91% | 10.91% | 12.09% | 9.33% | 1.26% |
| Q4 2025 | 11.52% | 11.52% | 12.74% | 9.37% | 1.28% |
| Q1 2026 | 11.54% | 11.54% | 12.74% | 10.15% | 1.32% |
| Q2 2026 | 11.83% | 11.83% | 13.05% | 10.78% | 0.96% |
Georgia Banking Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Georgia Banking Company, 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 Georgia Banking Company profile, peer group comparison, or how this data updates.
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