Georgia Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Georgia Community Bank of Albany, GA against its peer group of 2603 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 | 1.87% | 1.34% | +0.53% | 81st top |
| ROAE | 14.11% | 13.32% | +0.79% | 61st above |
| Net Interest Margin | 4.93% | 3.93% | +1.00% | 91st top |
| Efficiency Ratio | 60.32% | 61.13% | -0.81% | 53rd above |
| PPNR / Avg Assets | 1.91% | 1.68% | +0.23% | 68th above |
| Yield on Earning Assets | 6.40% | 5.67% | +0.73% | 84th top |
| Cost of Funds | 1.62% | 1.88% | -0.26% | 62nd above |
| Net Interest Spread | 4.00% | 3.32% | +0.68% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.67% | 0.94% | +0.73% | 16th bottom |
| NPA / Total Assets | 1.17% | 0.70% | +0.47% | 16th bottom |
| NCO / Avg Loans | 0.17% | 0.16% | +0.01% | 14th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) | 75.11% | 1546.70% | -1471.59% | 20th bottom |
| Texas Ratio | 8.34% | 7.34% | +1.00% | 27th below |
| Provision / NCO | 85.47% | 1395.59% | -1310.12% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.67% | 12.14% | +1.53% | 80th top |
| Equity / Assets | 13.40% | 11.36% | +2.04% | 81st top |
| TCE / Tangible Assets | 13.19% | 11.08% | +2.11% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.41% | 80.66% | -1.25% | 52nd above |
| Core Deposit Ratio | 82.10% | 86.85% | -4.75% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.30% | 6.84% | -6.54% | 21st bottom |
| Loan Growth (Y/Y) | -4.76% | 7.92% | -12.68% | 8th bottom |
| Deposit Growth (Y/Y) | -0.82% | 6.29% | -7.11% | 19th bottom |
See Georgia Community Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Georgia Community 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 Georgia Community Bank profile, how to read a UBPR, or how this data updates.