South Georgia Banking Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks South Georgia Banking Company of Omega, 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 | 1.72% | 1.34% | +0.38% | 74th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.80% | 13.31% | -0.51% | 53rd above |
| Net Interest Margin | 5.33% | 3.93% | +1.40% | 96th top |
| Efficiency Ratio | 59.73% | 61.14% | -1.41% | 55th above |
| PPNR / Avg Assets | 2.25% | 1.68% | +0.57% | 82nd top |
| Yield on Earning Assets | 6.02% | 5.67% | +0.35% | 69th above |
| Cost of Funds | 0.74% | 1.88% | -1.14% | 96th top |
| Net Interest Spread | 4.86% | 3.32% | +1.54% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.60% | 0.94% | -0.34% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.48% | 0.70% | -0.22% | 39th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 26th below |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 41st below |
| ACL / NPLs (Coverage) | 186.58% | 1539.49% | -1352.91% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.75% | 7.33% | -3.58% | 48th below |
| Provision / NCO | 132.74% | 1396.55% | -1263.81% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.89% | 19.50% | -1.61% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.89% | 19.54% | -1.65% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.95% | 20.62% | -1.67% | 68th above |
| Leverage Ratio | 13.86% | 12.14% | +1.72% | 81st top |
| Equity / Assets | 13.94% | 11.37% | +2.57% | 84th top |
| TCE / Tangible Assets | 12.34% | 11.09% | +1.25% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.82% | 80.64% | +1.18% | 48th below |
| Core Deposit Ratio | 95.60% | 86.86% | +8.74% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.39% | 6.85% | -4.46% | 35th below |
| Loan Growth (Y/Y) | 13.24% | 7.90% | +5.34% | 83rd top |
| Deposit Growth (Y/Y) | 1.29% | 6.29% | -5.00% | 31st below |
See South Georgia Banking Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock South Georgia Banking Company, 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 Banking Company profile, how to read a UBPR, or how this data updates.