Northeast Georgia Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Northeast Georgia Bank of Lavonia, 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 | 2.59% | 1.34% | +1.25% | 95th top |
| ROAE | 21.51% | 12.05% | +9.46% | 91st top |
| Net Interest Margin | 4.74% | 3.90% | +0.84% | 87th top |
| Efficiency Ratio | 42.48% | 63.16% | -20.68% | 92nd top |
| PPNR / Avg Assets | 2.83% | 1.64% | +1.19% | 94th top |
| Yield on Earning Assets | 5.65% | 5.65% | +0.00% | 52nd above |
| Cost of Funds | 0.99% | 1.85% | -0.86% | 91st top |
| Net Interest Spread | 4.35% | 3.35% | +1.00% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.92% | -0.91% | 83rd top |
| NPA / Total Assets | 0.01% | 0.67% | -0.66% | 85th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 23rd bottom |
| ACL / Total Loans | 1.56% | 1.28% | +0.28% | 82nd top |
| ACL / NPLs (Coverage) | 11204.25% | 1641.07% | +9563.18% | — |
| Texas Ratio | 0.05% | 7.15% | -7.10% | 89th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 272.95% | 1189.76% | -916.81% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.41% | 12.46% | +0.95% | 78th top |
| Equity / Assets | 12.47% | 11.67% | +0.80% | 75th top |
| TCE / Tangible Assets | 12.47% | 11.40% | +1.07% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.04% | 78.65% | -18.61% | 83rd top |
| Core Deposit Ratio | 93.67% | 87.09% | +6.58% | 77th top |
| Wholesale Funding Ratio | 0.51% | 5.12% | -4.61% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.50% | 6.48% | -3.98% | 36th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.23% | 7.64% | -1.41% | 56th above |
| Deposit Growth (Y/Y) | 1.91% | 6.02% | -4.11% | 35th below |
See Northeast Georgia Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Northeast Georgia 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 Northeast Georgia Bank profile, how to read a UBPR, or how this data updates.