Georgia Community 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.03 percentage points higher than in Q1 2026, at 79.41%. Georgia Community Bank ranks 39th of 121 Georgia banks on return on assets, in the upper half at 1.87% (Q2 2026). Georgia Community Bank reported 1.87% on return on assets for Q2 2026, 0.61 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.67% |
| Equity capital to assets | 13.40% |
| Tangible equity to tangible assets | 13.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.67% |
| Non-performing assets ratio | 1.17% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 8.34% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 75.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.87% |
| Return on equity | 14.11% |
| Net interest margin | 4.93% |
| Efficiency ratio | 60.32% |
| Yield on earning assets | 6.40% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.41% |
| Core deposits to total deposits | 82.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.78% |
| Securities to assets | 17.56% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.19% | 1.70% | 4.44% | 0.54% | 0.24% |
| Q4 2023 | 12.80% | 1.65% | 4.46% | 0.44% | 0.03% |
| Q1 2024 | 12.59% | 1.76% | 4.55% | 0.45% | 0.08% |
| Q2 2024 | 12.40% | 0.87% | 4.64% | 0.84% | 1.43% |
| Q3 2024 | 12.84% | 1.64% | 4.74% | 0.91% | 0.04% |
| Q4 2024 | 12.84% | 2.11% | 4.71% | 0.84% | 0.14% |
| Q1 2025 | 13.02% | 1.57% | 4.60% | 1.47% | 0.05% |
| Q2 2025 | 13.17% | 1.87% | 5.03% | 0.95% | 0.39% |
| Q3 2025 | 13.55% | 2.00% | 5.12% | 0.86% | -0.06% |
| Q4 2025 | 14.08% | 2.05% | 5.04% | 1.82% | 0.20% |
| Q1 2026 | 13.61% | 1.69% | 4.77% | 1.67% | 0.01% |
| Q2 2026 | 13.67% | 1.87% | 4.93% | 1.67% | 0.17% |
Georgia Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Georgia Community 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 Georgia Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35320) · FFIEC NIC profile (RSSD 2823221)