West Central Georgia Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Central Georgia Bank of Thomaston, GA against its peer group of 2672 similarly-sized US banks as of Q3 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 | 1.64% | 1.25% | +0.39% | 52nd above |
| ROAE | 8.09% | 13.24% | -5.15% | 18th bottom |
| Net Interest Margin | 4.36% | 3.95% | +0.41% | 67th above |
| Efficiency Ratio | 52.41% | 61.22% | -8.81% | 66th above |
| PPNR / Avg Assets | 2.19% | — | — | 75th top |
| Yield on Earning Assets | 5.39% | 5.68% | -0.29% | 43rd below |
| Cost of Funds | 1.29% | 1.88% | -0.59% | 69th above |
| Net Interest Spread | 3.58% | — | — | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 92nd top |
| NPA / Total Assets | 0.00% | — | — | 93rd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.16% | -0.06% | 11th bottom |
| ACL / Total Loans | 2.19% | — | — | 93rd top |
| Texas Ratio | 0.76% | 7.40% | -6.64% | 64th above |
| Provision / NCO | 353.57% | — | — | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 21.98% | 11.73% | +10.25% | 95th top |
| Equity / Assets | 20.57% | 10.96% | +9.61% | 93rd top |
| TCE / Tangible Assets | 20.57% | — | — | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.71% | 80.60% | -15.89% | 61st above |
| Core Deposit Ratio | 95.52% | 86.92% | +8.60% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.44% | — | — | 51st above |
| Loan Growth (Y/Y) | 3.00% | — | — | 34th below |
| Deposit Growth (Y/Y) | 4.16% | — | — | 54th above |
See West Central Georgia Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Central 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 West Central Georgia Bank profile, how to read a UBPR, or how this data updates.