Great Oaks Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Great Oaks Bank of Richmond Hill, GA against its peer group of 2672 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 | 1.46% | 1.34% | +0.12% | 61st above |
| ROAE | 15.44% | 13.31% | +2.13% | 68th above |
| Net Interest Margin | 4.45% | 3.93% | +0.52% | 77th top |
| Efficiency Ratio | 67.64% | 61.14% | +6.50% | 33rd below |
| PPNR / Avg Assets | 1.46% | 1.68% | -0.22% | 42nd below |
| Yield on Earning Assets | 6.10% | 5.67% | +0.43% | 73rd above |
| Cost of Funds | 1.79% | 1.88% | -0.09% | 51st above |
| Net Interest Spread | 3.75% | 3.32% | +0.43% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 73rd above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 74th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 31st below |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 76th top |
| ACL / NPLs (Coverage) | 1398.63% | 1538.74% | -140.11% | — |
| Texas Ratio | 0.65% | 7.33% | -6.68% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.78% | 19.51% | -5.73% | 37th below |
| Tier 1 Ratio | 13.78% | 19.54% | -5.76% | 37th below |
| Total Capital Ratio | 15.03% | 20.63% | -5.60% | 38th below |
| Leverage Ratio | 10.25% | 12.14% | -1.89% | 37th below |
| Equity / Assets | 9.71% | 11.38% | -1.67% | 39th below |
| TCE / Tangible Assets | 9.71% | 11.09% | -1.38% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.33% | 80.64% | -6.31% | 63rd above |
| Core Deposit Ratio | 93.14% | 86.86% | +6.28% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.66% | 6.85% | -0.19% | 67th above |
| Loan Growth (Y/Y) | 3.42% | 7.90% | -4.48% | 39th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.57% | 6.29% | -1.72% | 54th above |
See Great Oaks Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Great Oaks 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 Great Oaks Bank profile, how to read a UBPR, or how this data updates.