Northeast Georgia 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.
Loan-to-deposit ratio climbed 2.10 percentage points in Q2 2026, from 57.94% to 60.04%. It was the largest change from Q1 2026 among the key lines here. Among 121 Georgia banks, Northeast Georgia Bank sits 9th from the top on return on assets, 2.59% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Northeast Georgia Bank reported 2.59% on return on assets in Q2 2026, 1.34 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.41% |
| Equity capital to assets | 12.47% |
| Tangible equity to tangible assets | 12.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 0.05% |
| Allowance for credit losses to loans | 1.56% |
| Reserve coverage of non-performing loans | 11204.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.59% |
| Return on equity | 21.51% |
| Net interest margin | 4.74% |
| Efficiency ratio | 42.48% |
| Yield on earning assets | 5.65% |
| Cost of funds | 0.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.04% |
| Core deposits to total deposits | 93.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.53% |
| Securities to assets | 20.14% |
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 | 11.78% | 2.29% | 4.42% | 0.32% | 0.01% |
| Q4 2023 | 12.06% | 2.69% | 4.47% | 0.11% | 0.02% |
| Q1 2024 | 11.57% | 2.46% | 4.53% | 0.11% | 0.02% |
| Q2 2024 | 12.26% | 2.47% | 4.65% | 0.21% | 0.03% |
| Q3 2024 | 12.99% | 2.65% | 4.64% | 0.16% | 0.02% |
| Q4 2024 | 12.89% | 2.53% | 4.47% | 0.16% | 0.03% |
| Q1 2025 | 12.15% | 2.48% | 4.48% | 0.16% | 0.00% |
| Q2 2025 | 12.76% | 2.58% | 4.66% | 0.16% | 0.01% |
| Q3 2025 | 13.65% | 2.91% | 4.91% | 0.01% | 0.04% |
| Q4 2025 | 14.18% | 3.17% | 4.70% | 0.01% | 0.05% |
| Q1 2026 | 12.77% | 2.54% | 4.52% | 0.00% | 0.08% |
| Q2 2026 | 13.41% | 2.59% | 4.74% | 0.01% | 0.07% |
Northeast Georgia Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast Georgia 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 Northeast Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15771) · FFIEC NIC profile (RSSD 888833)