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Durden Banking Company, Incorporated

$100M-$1B Specialty: Commercial GA FDIC cert 15336

Twin City, GA

4 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 -1.2% year over year ($252.2M on the books).
  • Delinquency rate 0.11%.
  • Return on assets 3.60%.
  • Efficiency ratio 43.87% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.45% 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) →

Durden Banking Company, Incorporated has 5 strengths but faces 3 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

  • + Profitability Leader: Top 9.8% in tier
  • + Revenue Diversifier: Top 27.8% in tier
  • + Deposit Franchise: Top 52.5% in tier
  • + Efficiency Ratio 20.61% below tier average
  • + Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 7.1% in tier
  • - Liquidity Overhang: Bottom 16.0% in tier
  • - Deposit Outflow: Bottom 41.7% in tier
Get updates when Durden Banking Company, Incorporated releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $299.2M
+0.6% YoY -1.4% QoQ
-$87.4M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
46%
Total Loans ? $240.8M
+16.7% YoY +3.5% QoQ
-$17.6M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $252.2M
-1.2% YoY -2.5% QoQ
-$74.5M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 3.60%
+16.5% YoY +0.8% QoQ
+2.28% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 0.8% in tier
Net Interest Margin ? 6.08%
+7.9% YoY +1.3% QoQ
+2.09% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 1.2% in tier
Efficiency Ratio ? 43.87%
-10.9% YoY +0.6% QoQ
-20.61% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
Top 7.5% in tier
Delinquency Rate ? 0.11%
+10.1% YoY -68.4% QoQ
-0.80% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 95.45%
+18.1% YoY +6.1% QoQ
+17.50% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 29.51%
-3.0% YoY -1.3% QoQ
+7.48% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 0.12%
+25.6% YoY -56.0% QoQ
-0.55% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 21.55%
-4.4% YoY +3.9% QoQ
+5.64% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Top 11.1% in tier
Non-Interest Income / Assets ? 0.38%
+2.4% YoY +110.3% QoQ
-0.19% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
83%

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 29.5%
-0.9pp YoY
-0.4pp QoQ
 +7.4pp 22.1% 26.2% 22.2% 80%
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 10.9%
+2.2pp YoY
+1.0pp QoQ
 -0.6pp 11.6% 9.7% 12.5% 58%
CRE 40.8%
+3.3pp YoY
-0.8pp QoQ
 +1.3pp 39.5% 48.9% 41.4% 55%
1-4 Family 34.7%
-6.7pp YoY
-1.0pp QoQ
 +2.1pp 32.6% 31.7% 31.3% 61%
Consumer 4.9%
-1.1pp YoY
-0.6pp QoQ
 +0.7pp 4.1% 4.8% 5.0% 76%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 21.6%
-1.0pp YoY
+0.8pp QoQ
 +2.7pp 18.8% 20.9% 19.7% 82%
Leverage Ratio 16.2%
+1.3pp YoY
+0.6pp QoQ
 +4.1pp 12.2% 14.0% 12.6% 91%
Total Capital Ratio 22.8%
-1.0pp YoY
+0.8pp QoQ
 +2.9pp 19.9% 22.1% 20.8% 82%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 48
+2 (+4.3%) YoY
0 QoQ
 -11 58 98 482 50%
Assets per Employee ($) $6.2M
-3.6% YoY
-1.4% QoQ
 -$1.3M $7.5M $7.5M $8.8M 38%
Branch Count 4
0 YoY
0 QoQ
 -1 4 6 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
-0.2pp QoQ
 -0.3pp 0.3% 0.1% 0.4% 42%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 12%
Allowance Coverage 15.69x
-14.4% YoY
+207.4% QoQ
 -8.47x 24.15x 38.10x 20.23x 87%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 57%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 23.7%
+0.8pp YoY
0.0pp QoQ
 +11.5pp 12.2% 13.6% 11.6% 95%
Cost of Funds (YTD) 0.8%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.6% 1.7% 5%
Net Income ($, YTD) $5.3M
+17.4% YoY
— QoQ
 +$2.8M $2.6M $6.6M $40.4M 89%

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 (3)

Profitability Leader

growth
#66 of 661 • Top 9.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.60%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#185 of 661 • Top 27.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.38%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 3.60%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Deposit Franchise

growth
#147 of 278 • Top 52.5% 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: 29.51%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 6.08%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk
#90 of 1256 • Bottom 7.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.11%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#120 of 742 • Bottom 16.0% 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: 21.55%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 95.45%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#224 of 535 • Bottom 41.7% 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

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 (6 metrics)

23
Return on Assets
profitability
Value: 3.60%
Peer Median: 1.32%
#23 of 2643 Top 0.8% in $100M-$1B
34
Net Interest Margin
profitability
Value: 6.08%
Peer Median: 3.99%
#34 of 2643 Top 1.2% in $100M-$1B
198
Efficiency Ratio
profitability
Value: 43.87%
Peer Median: 64.48%
#198 of 2643 Top 7.5% in $100M-$1B
295
Tier 1 Capital Ratio
capital
Value: 21.55%
Peer Median: 15.91%
#295 of 2643 Top 11.1% in $100M-$1B
444
Non-Interest Income / Assets
revenue_mix
Value: 0.38%
Peer Median: 0.57%
#444 of 2643 Top 16.8% in $100M-$1B
513
Non-Interest-Bearing Deposit Share
funding
Value: 29.51%
Peer Median: 22.03%
#513 of 2643 Top 19.4% in $100M-$1B

Top Weaknesses (1 metrics)

2229
Loan-to-Deposit Ratio
liquidity
Value: 95.45%
Peer Median: 77.95%
#2229 of 2643 Bottom 15.7% in $100M-$1B
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