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Bank of Hazlehurst

$100M-$1B Specialty: Agricultural GA FDIC cert 149

Hazlehurst, GA

2 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits -9.8% year over year ($117.9M on the books).
  • Delinquency rate 0.71%.
  • Return on assets 2.19%.
  • Efficiency ratio 56.80% vs a 64.48% peer average.
  • Loan-to-deposit ratio 46.89% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

Bank of Hazlehurst has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 21.6% in tier
  • + Return on Assets 0.87% above tier average
  • + Efficiency Ratio 7.68% below tier average
  • + Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 4.1% in tier
  • - Liquidity Overhang: Bottom 36.8% in tier
Get updates when Bank of Hazlehurst releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $134.2M
-7.4% YoY -2.4% QoQ
-$252.4M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
Bottom 9.2% in tier
Total Loans ? $55.3M
+13.6% YoY +5.4% QoQ
-$203.1M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
Bottom 3.8% in tier
Total Deposits ? $117.9M
-9.8% YoY -3.4% QoQ
-$208.9M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
Bottom 11.1% in tier
Return on Assets ? 2.19%
-2.8% YoY +5.0% QoQ
+0.87% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 9.0% in tier
Net Interest Margin ? 4.81%
-0.2% YoY +2.9% QoQ
+0.82% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 11.7% in tier
Efficiency Ratio ? 56.80%
+2.3% YoY -1.5% QoQ
-7.68% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 0.71%
-61.7% YoY -18.3% QoQ
-0.21% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 46.89%
+26.0% YoY +9.1% QoQ
-31.06% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
Top 6.8% in tier
Non-Interest-Bearing Deposit Share ? 52.58%
-5.2% YoY +0.3% QoQ
+30.55% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Top 1.2% in tier
Nonperforming Asset Ratio ? 0.29%
-53.1% YoY -11.8% QoQ
-0.38% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 30.59%
-1.5% YoY -1.0% QoQ
+14.68% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Top 3.8% in tier
Non-Interest Income / Assets ? 0.21%
+13.3% YoY +110.2% QoQ
-0.36% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
52%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 52.6%
-2.9pp YoY
+0.2pp QoQ
 +30.4pp 22.1% 26.2% 22.2% 99%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 9.2%
-1.6pp YoY
-0.6pp QoQ
 -2.4pp 11.6% 9.7% 12.5% 47%
CRE 28.9%
+5.9pp YoY
-0.4pp QoQ
 -10.6pp 39.5% 48.9% 41.4% 33%
1-4 Family 24.5%
+4.2pp YoY
+0.8pp QoQ
 -8.1pp 32.6% 31.7% 31.3% 40%
Consumer 10.0%
-0.5pp YoY
-0.5pp QoQ
 +5.9pp 4.1% 4.8% 5.0% 92%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 30.6%
-0.5pp YoY
-0.3pp QoQ
 +11.8pp 18.8% 20.9% 19.7% 94%
Leverage Ratio 14.6%
+1.0pp YoY
+1.2pp QoQ
 +2.4pp 12.2% 14.0% 12.6% 84%
Total Capital Ratio 31.9%
-0.5pp YoY
-0.3pp QoQ
 +11.9pp 19.9% 22.1% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 28
+1 (+3.7%) YoY
0 QoQ
 -31 58 98 482 24%
Assets per Employee ($) $4.8M
-10.7% YoY
-2.4% QoQ
 -$2.7M $7.5M $7.5M $8.8M 12%
Branch Count 2
0 YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.7%
-1.1pp YoY
0.0pp QoQ
 -0.2pp 0.9% 0.8% 1.0% 62%
Allowance Coverage 5.63x
+156.6% YoY
+21.9% QoQ
 -18.52x 24.15x 38.10x 20.23x 73%
Net Charge-off Rate (YTD) -0.3%
0.0pp YoY
-0.4pp QoQ
 -0.4pp 0.1% 0.1% 0.2% 1%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 19.2%
-4.6pp YoY
+0.6pp QoQ
 +7.0pp 12.2% 13.6% 11.6% 86%
Cost of Funds (YTD) 0.3%
0.0pp YoY
0.0pp QoQ
 -1.4pp 1.7% 1.6% 1.7% 1%
Net Income ($, YTD) $1.5M
-1.7% YoY
— QoQ
 -$1.0M $2.6M $6.6M $40.4M 42%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#61 of 278 • Top 21.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 52.58%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.81%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Deposit Outflow

decline
#23 of 535 • Bottom 4.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Liquidity Overhang

risk
#274 of 742 • Bottom 36.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 30.59%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 46.89%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

34
Non-Interest-Bearing Deposit Share
funding
Value: 52.58%
Peer Median: 22.03%
#34 of 2643 Top 1.2% in $100M-$1B
102
Tier 1 Capital Ratio
capital
Value: 30.59%
Peer Median: 15.91%
#102 of 2643 Top 3.8% in $100M-$1B
182
Loan-to-Deposit Ratio
liquidity
Value: 46.89%
Peer Median: 77.95%
#182 of 2643 Top 6.8% in $100M-$1B
239
Return on Assets
profitability
Value: 2.19%
Peer Median: 1.32%
#239 of 2643 Top 9.0% in $100M-$1B
310
Net Interest Margin
profitability
Value: 4.81%
Peer Median: 3.99%
#310 of 2643 Top 11.7% in $100M-$1B

Top Weaknesses (3 metrics)

2544
Total Loans
size
Value: $55.28M
Peer Median: $258.35M
#2544 of 2643 Bottom 3.8% in $100M-$1B
2401
Total Assets
size
Value: $134.18M
Peer Median: $386.57M
#2401 of 2643 Bottom 9.2% in $100M-$1B
2351
Total Deposits
size
Value: $117.88M
Peer Median: $326.73M
#2351 of 2643 Bottom 11.1% in $100M-$1B
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