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Great Oaks Bank

$100M-$1B Specialty: Commercial GA FDIC cert 16780

Richmond Hill, GA

6 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 +4.6% year over year ($374.4M on the books).
  • Delinquency rate 0.11%.
  • Return on assets 1.42%.
  • Efficiency ratio 68.60% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.24% 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) →

Great Oaks Bank has 3 strengths but faces 4 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

  • + ROA 0.10% above tier average
  • + Net Interest Margin 0.53% above tier average
  • + Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 8.4% in tier
  • - Credit Quality Pressure: Bottom 13.0% in tier
  • - Cost Spiral: Bottom 55.8% in tier
  • - Margin Compression: Bottom 59.0% in tier
Get updates when Great Oaks Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $422.0M
+6.7% YoY -0.4% QoQ
+$35.4M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
64%
Total Loans ? $274.2M
+3.6% YoY -2.8% QoQ
+$15.9M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
63%
Total Deposits ? $374.4M
+4.6% YoY -0.9% QoQ
+$47.7M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
66%
Return on Assets ? 1.42%
-12.8% YoY +4.1% QoQ
+0.10% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
61%
Net Interest Margin ? 4.52%
-2.9% YoY -1.0% QoQ
+0.53% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 68.60%
+9.8% YoY -0.0% QoQ
+4.12% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.11%
+160.1% YoY +283.7% QoQ
-0.81% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 73.24%
-0.9% YoY -1.9% QoQ
-4.71% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 23.71%
-24.6% YoY -3.1% QoQ
+1.68% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 0.07%
-11.4% YoY +274.5% QoQ
-0.60% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 13.78%
+3.8% YoY +2.8% QoQ
-2.13% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.22%
-13.7% YoY +102.1% QoQ
-0.35% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
56%

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 23.7%
-7.8pp YoY
-0.8pp QoQ
 +1.6pp 22.1% 26.2% 22.2% 61%
Brokered Deposits 4.0%
-1.6pp YoY
-1.3pp QoQ
 -3.8pp 7.9% 7.5% 8.5% 45%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 9.1%
-0.1pp YoY
+0.1pp QoQ
 -2.5pp 11.6% 9.7% 12.5% 47%
CRE 58.1%
+0.2pp YoY
-0.1pp QoQ
 +18.6pp 39.5% 48.9% 41.4% 82%
1-4 Family 25.8%
-0.6pp YoY
-0.9pp QoQ
 -6.9pp 32.6% 31.7% 31.3% 42%
Consumer 4.2%
+0.5pp YoY
+0.2pp QoQ
 0.0pp 4.1% 4.8% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 13.8%
+0.5pp YoY
+0.4pp QoQ
 -5.0pp 18.8% 20.9% 19.7% 37%
Leverage Ratio 10.3%
+0.8pp YoY
-0.1pp QoQ
 -1.9pp 12.2% 14.0% 12.6% 37%
Total Capital Ratio 15.0%
+0.5pp YoY
+0.4pp QoQ
 -4.9pp 19.9% 22.1% 20.8% 38%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 66
-3 (-4.3%) YoY
-3 (-4.3%) QoQ
 +7 58 98 482 68%
Assets per Employee ($) $6.4M
+11.5% YoY
+4.2% QoQ
 -$1.1M $7.5M $7.5M $8.8M 40%
Branch Count 6
0 YoY
0 QoQ
 +1 4 6 18 66%

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 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 19%
Allowance Coverage 13.99x
-65.3% YoY
-74.4% QoQ
 -10.17x 24.15x 38.10x 20.23x 85%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 14.7%
-5.5pp YoY
+0.5pp QoQ
 +2.5pp 12.2% 13.6% 11.6% 66%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 47%
Net Income ($, YTD) $3.0M
-5.8% YoY
— QoQ
 +$396K $2.6M $6.6M $40.4M 69%

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 (0)

No matched strength signatures this quarter

Concerns (4)

Credit Risk Growth

risk
#80 of 936 • Bottom 8.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#164 of 1256 • Bottom 13.0% 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

Cost Spiral

risk
#78 of 138 • Bottom 55.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 68.60%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank declining

Margin Compression

decline
#182 of 307 • Bottom 59.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.42%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 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 (2 metrics)

517
Net Interest Margin
profitability
Value: 4.52%
Peer Median: 3.99%
#517 of 2643 Top 19.5% in $100M-$1B
642
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#642 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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