South Georgia Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks South Georgia Bank of Glennville, 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 | 1.84% | 1.35% | +0.49% | 80th top |
| ROAE | 21.04% | 12.05% | +8.99% | 89th top |
| Net Interest Margin | 4.53% | 3.90% | +0.63% | 80th top |
| Efficiency Ratio | 50.79% | 63.15% | -12.36% | 79th top |
| PPNR / Avg Assets | 2.32% | 1.64% | +0.68% | 84th top |
| Yield on Earning Assets | 5.75% | 5.65% | +0.10% | 57th above |
| Cost of Funds | 1.33% | 1.85% | -0.52% | 79th top |
| Net Interest Spread | 3.89% | 3.35% | +0.54% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.92% | -0.76% | 67th above |
| NPA / Total Assets | 0.08% | 0.67% | -0.59% | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.15% | -0.09% | 25th below |
| ACL / Total Loans | 2.53% | 1.28% | +1.25% | 97th top |
| ACL / NPLs (Coverage) | 1565.77% | 1645.17% | -79.40% | — |
| Texas Ratio | 0.81% | 7.15% | -6.34% | 75th top |
| Provision / NCO | 139.05% | 1189.84% | -1050.79% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 20.57% | 20.83% | -0.26% | 79th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 20.57% | 20.86% | -0.29% | 79th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 21.84% | 21.94% | -0.10% | 79th top |
| Leverage Ratio | 10.60% | 12.46% | -1.86% | 43rd below |
| Equity / Assets | 8.86% | 11.67% | -2.81% | 25th below |
| TCE / Tangible Assets | 8.86% | 11.40% | -2.54% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.85% | 78.65% | -21.80% | 86th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.79% | 87.09% | +1.70% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.05% | 6.47% | +1.58% | 75th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.38% | 7.64% | -2.26% | 50th above |
| Deposit Growth (Y/Y) | 7.82% | 6.02% | +1.80% | 75th top |
See South Georgia Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock South 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 South Georgia Bank profile, how to read a UBPR, or how this data updates.