Promiseone Bank
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Data as of · sourced from FFIEC call reports. How we update
Promiseone Bank is an FDIC-insured commercial bank headquartered in Duluth, GA, established in 2008 (FDIC certificate 58657), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $812.2M, down 0.3% from Q2 2025, the 18th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 15.70% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58657
- Headquarters
- Duluth, GA
- Established
- 2008
- Total assets, Q2 2026
- $812.2M
- Assets vs Q2 2025
- -0.3%
- CET1 ratio, Q2 2026
- 15.70%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 061121180
- Latest call report
- Q2 2026, FFIEC 051 · Promiseone Bank call report
- Holding company
- PROMISEONE BANCORP, INC.
- Asset rank in state
- 18th of 121 in Georgia
Promiseone Bank pays more for its money than most banks of its size. Its balance sheet stood at $812 million at June 30, 2026; it is based in Duluth, Georgia. It pays an average of 2.90% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans worth 2.8 times its capital, 2.4 times the median of 1.2 times for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.78% of loans, down from 1.15% a year earlier. Its $242 million non-owner-occupied commercial real estate book is improving, with 2.21% past due or on nonaccrual, down from 3.57% a year earlier. Its margin is thin by comparison: it keeps 3.25 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Promiseone Bank reported a CET1 capital ratio of 15.70%, a return on assets of 1.55%, a nonperforming-loan ratio of 0.81% and a Texas ratio of 7.49%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Promiseone Bank is the 18th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.4% to $812.2M, loans rose 1.7% and deposits fell 3.9%. 1-4 family residential loans made up 39.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 39.1%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities across 4 states; its Duluth office books 27% of its branch deposits. On its Q2 2026 call report, Promiseone Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2385 Pleasant Hill Rd, Duluth, GA 30096
- County
- Gwinnett
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 6, 2008
- Former names
- NOA Bank (2008-2019)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 99
- Domestic deposits
- $732.2M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- $315K
- Average total assets
- $842.8M
- Average total loans
- $613.1M
- Average interest-bearing deposits
- $624.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 6, 2008
- FDIC Cert
- 58657
- Fed RSSD
- 3832127
- SEC CIK
- 1757707 → filed by PROMISEONE BANCORP, INC.
- Website
- http://www.promiseone.bank →
- Parent Holding Company
- PROMISEONE BANCORP, INC. (RSSD 4816320)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Promiseone Bank's total assets moved between a low of $706.1M (Q3 2023) and a high of $840.4M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$812.2M total assets against $814.7M; $742.5M total liabilities against $750.5M.
$613.0M net loans and leases against $598.3M; $732.2M total deposits against $740.1M.
$52.6M securities against $69.4M; $129.4M cash and balances due against $118.0M.
$12.1M total interest income against $12.0M; $5.4M total interest expense against $5.7M.
$6.6M net interest income against $6.3M.
$1.4M total noninterest income against $1.4M; $4.5M total noninterest expense against $4.5M.
$175K provision for credit losses against $360K.
$3.3M net income against $2.8M.
1.55% return on assets against 1.38%; 3.25% net interest margin against 3.27%.
15.70% CET1 capital ratio against 15.92%; 10.12% tier 1 leverage ratio against 10.26%.
Inside the full Promiseone Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Promiseone Bank rankings
Its closest position to the top of a national ranking is 892 of 3,640, for Texas Ratio; its furthest is 1,364 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.30% (Q4 2024) to 1.61% (Q4 2025) and its net interest margin ran from 2.87% (Q3 2024) to 3.27% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.70% | 1.55% | 0.81% | 7.49% | 3.25% |
| Q1 2026 | 15.73% | 1.43% | 0.85% | 7.84% | 3.05% |
| Q4 2025 | 15.58% | 1.61% | 0.86% | 7.96% | 3.15% |
| Q3 2025 | 15.99% | 1.46% | 0.86% | 9.38% | 3.21% |
| Q2 2025 | 15.92% | 1.38% | 1.18% | 10.54% | 3.27% |
| Q1 2025 | 15.92% | 1.35% | 1.00% | 9.70% | 3.00% |
| Q4 2024 | 16.26% | 1.30% | 0.92% | 7.20% | 3.03% |
| Q3 2024 | 17.05% | 1.53% | 0.88% | 7.00% | 2.87% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Promiseone Bank (main office) | Duluth , GA | 30096 | $197.5M |
| Doraville Branch | Doraville , GA | 30340 | $120.1M |
| Sugarloaf Branch | Suwanee , GA | 30024 | $104.0M |
| Johns Creek Branch | Johns Creek , GA | 30097 | $74.1M |
| Centreville Branch | Centreville , VA | 20121 | $69.3M |
| Annandale Branch | Annandale , VA | 22003 | $65.1M |
| Mcginnis Branch | Johns Creek , GA | 30024 | $42.0M |
| Houston Branch | Houston , TX | 77055 | $23.5M |
| Suwanee Branch | Suwanee , GA | 30024 | $21.1M |
| Bayside Branch | Bayside , NY | 11361 | $15.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in GA, rank 45 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 54 loans, $49.9M approved, $925K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Promiseone Bank
What are Promiseone Bank's total assets?
As of the Q2 2026 filing, Promiseone Bank reported total assets of $812.2 million in its FFIEC call report.
Where is Promiseone Bank headquartered?
It is headquartered in Duluth, GA, United States.
When was Promiseone Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Promiseone Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58657). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Promiseone Bank?
Promiseone Bank's primary federal regulator is the FDIC.
What is Promiseone Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.70% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Promiseone Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Promiseone Bank's Texas Ratio?
Its Texas Ratio is 7.49% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Promiseone Bank previously called?
The charter now named Promiseone Bank has also operated as NOA Bank (2008-2019), per FDIC structure-change records.
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