Rabun County 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 44.44 percentage points higher than in Q1 2026, at 414.23%. Rabun County Bank ranks 27th of 121 Georgia banks on return on assets, in the upper half at 2.00% (Q2 2026). Rabun County Bank's return on assets of 2.00% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.74 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.49% |
| Equity capital to assets | 10.35% |
| Tangible equity to tangible assets | 10.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.93% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 414.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.00% |
| Return on equity | 18.96% |
| Net interest margin | 4.31% |
| Efficiency ratio | 47.29% |
| Yield on earning assets | 5.91% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.81% |
| Core deposits to total deposits | 89.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.87% |
| Securities to assets | 3.40% |
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 | 11.13% | 1.58% | 4.25% | 0.21% | -0.00% |
| Q4 2023 | 11.30% | 1.72% | 4.40% | 0.20% | -0.00% |
| Q1 2024 | 11.47% | 1.61% | 4.16% | 0.18% | -0.00% |
| Q2 2024 | 11.47% | 1.82% | 4.44% | 0.17% | 0.00% |
| Q3 2024 | 10.59% | 1.55% | 4.03% | 0.14% | -0.00% |
| Q4 2024 | 10.34% | 1.62% | 4.05% | 0.28% | 0.01% |
| Q1 2025 | 10.74% | 1.26% | 3.72% | 0.36% | -0.00% |
| Q2 2025 | 11.00% | 1.56% | 4.09% | 0.34% | 0.00% |
| Q3 2025 | 10.25% | 1.34% | 3.96% | 0.33% | 0.02% |
| Q4 2025 | 10.22% | 1.48% | 4.13% | 0.35% | -0.00% |
| Q1 2026 | 10.58% | 1.33% | 3.90% | 0.39% | -0.01% |
| Q2 2026 | 10.49% | 2.00% | 4.31% | 0.34% | -0.00% |
Rabun County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rabun County 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 Rabun County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22138) · FFIEC NIC profile (RSSD 514936)