Rabun County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Rabun County Bank of Clayton, 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 | 2.00% | 1.35% | +0.65% | 85th top |
| ROAE | 18.96% | 12.05% | +6.91% | 83rd top |
| Net Interest Margin | 4.31% | 3.90% | +0.41% | 71st above |
| Efficiency Ratio | 47.29% | 63.15% | -15.86% | 86th top |
| PPNR / Avg Assets | 2.74% | 1.64% | +1.10% | 93rd top |
| Yield on Earning Assets | 5.91% | 5.65% | +0.26% | 64th above |
| Cost of Funds | 1.71% | 1.85% | -0.14% | 55th above |
| Net Interest Spread | 3.49% | 3.35% | +0.14% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 0.92% | -0.58% | 55th above |
| NPA / Total Assets | 0.22% | 0.67% | -0.45% | 58th above |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 80th top |
| ACL / Total Loans | 1.39% | 1.28% | +0.11% | 71st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 414.23% | 1645.66% | -1231.43% | 67th above |
| Texas Ratio | 1.93% | 7.15% | -5.22% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.49% | 12.46% | -1.97% | 41st below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.35% | 11.67% | -1.32% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.35% | 11.40% | -1.05% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.81% | 78.65% | -5.84% | 66th above |
| Core Deposit Ratio | 89.89% | 87.09% | +2.80% | 54th above |
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. | 5.44% | 6.47% | -1.03% | 58th above |
| Loan Growth (Y/Y) | 11.92% | 7.64% | +4.28% | 79th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.97% | 6.02% | -0.05% | 64th above |
See Rabun County Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Rabun County 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 Rabun County Bank profile, how to read a UBPR, or how this data updates.