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The Geo. D. Warthen Bank

$100M-$1B Specialty: Other GA FDIC cert 2154

Sandersville, 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 -6.7% year over year ($162.9M on the books).
  • Delinquency rate 1.29%.
  • Return on assets 1.10%.
  • Efficiency ratio 75.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 64.86% 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) →

The Geo. D. Warthen Bank has 1 strength but faces 5 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 2.2% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 0.6% in tier
  • - Liquidity Overhang: Bottom 46.1% in tier
  • - ROA 0.22% below tier average
  • - Efficiency Ratio 11.13% above tier average
  • - Delinquency Rate 0.37% above tier average
Get updates when The Geo. D. Warthen 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 ? $190.3M
-5.4% YoY -7.9% QoQ
-$196.3M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
24%
Total Loans ? $105.7M
-5.1% YoY +1.1% QoQ
-$152.7M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $162.9M
-6.7% YoY -9.1% QoQ
-$163.8M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
25%
Return on Assets ? 1.10%
-6.6% YoY -8.5% QoQ
-0.22% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 5.85%
+2.1% YoY +1.2% QoQ
+1.87% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 1.7% in tier
Efficiency Ratio ? 75.61%
+3.7% YoY +3.0% QoQ
+11.13% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 1.29%
-1.3% YoY -8.0% QoQ
+0.37% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
22%
Loan-to-Deposit Ratio ? 64.86%
+1.7% YoY +11.2% QoQ
-13.10% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
77%
Non-Interest-Bearing Deposit Share ? 46.42%
-9.0% YoY -3.0% QoQ
+24.39% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Top 2.4% in tier
Nonperforming Asset Ratio ? 0.80%
+10.2% YoY -0.5% QoQ
+0.13% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
27%
Tier 1 Capital Ratio ? 22.74%
+12.2% YoY +1.6% QoQ
+6.83% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Top 9.3% in tier
Non-Interest Income / Assets ? 0.34%
+4.1% YoY +120.7% QoQ
-0.23% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
78%

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 46.4%
-4.6pp YoY
-1.4pp QoQ
 +24.3pp 22.1% 26.2% 22.2% 98%
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 14.5%
-2.6pp YoY
0.0pp QoQ
 +2.9pp 11.6% 9.7% 12.5% 74%
CRE 19.4%
+1.2pp YoY
+1.9pp QoQ
 -20.1pp 39.5% 48.9% 41.4% 17%
1-4 Family 47.9%
+1.3pp YoY
-1.0pp QoQ
 +15.3pp 32.6% 31.7% 31.3% 80%
Consumer 13.0%
+0.5pp YoY
-0.8pp QoQ
 +8.9pp 4.1% 4.8% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 22.7%
+2.5pp YoY
+0.4pp QoQ
 +3.9pp 18.8% 20.9% 19.7% 85%
Leverage Ratio 13.0%
+1.1pp YoY
+0.5pp QoQ
 +0.8pp 12.2% 14.0% 12.6% 75%
Total Capital Ratio 24.0%
+2.5pp YoY
+0.4pp QoQ
 +4.1pp 19.9% 22.1% 20.8% 85%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 37
0 YoY
0 QoQ
 -22 58 98 482 37%
Assets per Employee ($) $5.1M
-5.4% YoY
-7.9% QoQ
 -$2.4M $7.5M $7.5M $8.8M 16%
Branch Count 1
0 YoY
0 QoQ
 -4 4 6 18 0%

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 1.3%
0.0pp YoY
-0.1pp QoQ
 +0.4pp 0.9% 0.8% 1.0% 78%
Allowance Coverage 1.12x
+0.6% YoY
+2.9% QoQ
 -23.04x 24.15x 38.10x 20.23x 30%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.2pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 87%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 8.9%
-1.8pp YoY
-1.0pp QoQ
 -3.3pp 12.2% 13.6% 11.6% 30%
Cost of Funds (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -1.6pp 1.7% 1.6% 1.7% 0%
Net Income ($, YTD) $1.1M
-8.8% YoY
— QoQ
 -$1.5M $2.6M $6.6M $40.4M 29%

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
#7 of 278 • Top 2.2% 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: 46.42%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.85%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (2)

Deposit Outflow

decline
#4 of 535 • Bottom 0.6% 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
#343 of 742 • Bottom 46.1% 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: 22.74%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 64.86%
(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)

47
Net Interest Margin
profitability
Value: 5.85%
Peer Median: 3.99%
#47 of 2643 Top 1.7% in $100M-$1B
64
Non-Interest-Bearing Deposit Share
funding
Value: 46.42%
Peer Median: 22.03%
#64 of 2643 Top 2.4% in $100M-$1B
248
Tier 1 Capital Ratio
capital
Value: 22.74%
Peer Median: 15.91%
#248 of 2643 Top 9.3% in $100M-$1B
590
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#590 of 2643 Top 22.3% in $100M-$1B
618
Loan-to-Deposit Ratio
liquidity
Value: 64.86%
Peer Median: 77.95%
#618 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (5 metrics)

2129
Efficiency Ratio
profitability
Value: 75.61%
Peer Median: 64.48%
#2129 of 2643 Bottom 19.5% in $100M-$1B
2100
Total Loans
size
Value: $105.65M
Peer Median: $258.35M
#2100 of 2643 Bottom 20.6% in $100M-$1B
2044
Delinquency Rate
credit_quality
Value: 1.29%
Peer Median: 0.92%
#2044 of 2633 Bottom 22.4% in $100M-$1B
2011
Total Assets
size
Value: $190.26M
Peer Median: $386.57M
#2011 of 2643 Bottom 24.0% in $100M-$1B
1990
Total Deposits
size
Value: $162.90M
Peer Median: $326.73M
#1990 of 2643 Bottom 24.7% in $100M-$1B
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