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RBC Bank, (Georgia) National Association

$1B-$10B Specialty: Other GA FDIC cert 26342

Atlanta, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in GA.
  • Deposits +42.7% year over year ($8.5B on the books).
  • Delinquency rate 0.41%.
  • Return on assets 2.47%.
  • Efficiency ratio 27.22% vs a 59.73% peer average.
  • Loan-to-deposit ratio 51.12% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 12 in GA
View $1B-$10B leaderboard (GA) →

RBC Bank, (Georgia) National Association 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

  • + Profitability Leader: Top 40.5% in tier
  • + Efficiency Ratio 32.51% below tier average
  • + Net Interest Margin 0.17% above tier average
  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 32.6% in tier
  • - Liquidity Overhang: Bottom 35.5% in tier
Get updates when RBC Bank, (Georgia) National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $9.6B
+39.7% YoY +9.2% QoQ
+$6.8B $2.8B
-0.6% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
Top 0.7% in tier
Total Loans ? $4.4B
+55.2% YoY +27.3% QoQ
+$2.4B $2.0B
-0.3% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
Top 10.1% in tier
Total Deposits ? $8.5B
+42.7% YoY +9.8% QoQ
+$6.2B $2.3B
-0.5% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
Top 0.2% in tier
Return on Assets ? 2.47%
+1.4% YoY +7.6% QoQ
+1.08% 1.39%
+17.0% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 4.3% in tier
Net Interest Margin ? 4.04%
-2.7% YoY +1.3% QoQ
+0.17% 3.87%
+6.2% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
70%
Efficiency Ratio ? 27.22%
-13.8% YoY -11.9% QoQ
-32.51% 59.73%
-12.6% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
Top 1.4% in tier
Delinquency Rate ? 0.41%
-41.0% YoY -33.8% QoQ
-0.46% 0.87%
+11.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 51.12%
+8.7% YoY +15.9% QoQ
-33.92% 85.04%
-0.1% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
Top 4.3% in tier
Non-Interest-Bearing Deposit Share ? 17.55%
-24.1% YoY -11.4% QoQ
-3.72% 21.27%
-1.5% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
37%
Nonperforming Asset Ratio ? 0.19%
-33.4% YoY -21.9% QoQ
-0.48% 0.67%
+11.7% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 48.11%
+19.1% YoY +9.5% QoQ
+33.27% 14.84%
-0.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Top 0.9% in tier
Non-Interest Income / Assets ? 0.30%
-28.3% YoY +77.4% QoQ
-0.23% 0.53%
+2.5% 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 17.5%
-5.6pp YoY
-2.3pp QoQ
 -3.8pp 21.4% 26.2% 22.2% 37%
Brokered Deposits n/a n/a 9.5% 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 n/a n/a 14.0% 9.7% 12.5% n/a
CRE n/a n/a 50.0% 48.9% 41.4% n/a
1-4 Family 58.7%
-33.8pp YoY
-16.4pp QoQ
 +32.3pp 26.4% 31.7% 31.3% 94%
Consumer 5.5%
-2.7pp YoY
-2.8pp QoQ
 +0.8pp 4.7% 4.8% 5.0% 83%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 48.1%
+7.7pp YoY
+4.2pp QoQ
 +32.5pp 15.6% 20.9% 19.7% 99%
Leverage Ratio 10.4%
-1.4pp YoY
-0.4pp QoQ
 -0.9pp 11.3% 14.0% 12.6% 48%
Total Capital Ratio 49.2%
+7.8pp YoY
+4.2pp QoQ
 +32.5pp 16.7% 22.1% 20.8% 99%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 269
+19 (+7.6%) YoY
+2 (+0.7%) QoQ
 -45 313 98 482 59%
Assets per Employee ($) $35.7M
+29.9% YoY
+8.4% QoQ
 +$25.2M $10.5M $7.5M $8.8M 98%
Branch Count 1
0 YoY
0 QoQ
 -19 20 6 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.2% 0.1% 0.4% 78%
Nonaccrual 0.3%
-0.2pp YoY
-0.2pp QoQ
 -0.5pp 0.8% 0.8% 1.0% 31%
Allowance Coverage 1.29x
+9.3% YoY
+15.5% QoQ
 -17.42x 18.71x 38.10x 20.23x 33%
Net Charge-off Rate (YTD) 0.3%
-0.1pp YoY
-0.1pp QoQ
 +0.1pp 0.3% 0.1% 0.2% 87%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 23.8%
+2.0pp YoY
+2.2pp QoQ
 +11.2pp 12.6% 13.6% 11.6% 95%
Cost of Funds (YTD) 0.5%
0.0pp YoY
0.0pp QoQ
 -1.5pp 1.9% 1.6% 1.7% 1%
Net Income ($, YTD) $108.9M
+30.7% YoY
— QoQ
 +$89.7M $19.2M $6.6M $40.4M 99%

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)

Profitability Leader

growth
#91 of 222 • Top 40.5% in tier

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

Why this signature
Return on Assets: 2.47%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

NIB Deposit Bleed

decline
#16 of 46 • Bottom 32.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 17.55%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Liquidity Overhang

risk
#62 of 172 • Bottom 35.5% 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: 48.11%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 51.12%
(Tier: 85.04%, National: 79.03%)
better than tier avg
172 of 172 Mid-Market 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 885 peers in $1B-$10B

Top Strengths (7 metrics)

3
Total Deposits
size
Value: $8.54B
Peer Median: $2.32B
#3 of 885 Top 0.2% in $1B-$10B
7
Total Assets
size
Value: $9.59B
Peer Median: $2.79B
#7 of 885 Top 0.7% in $1B-$10B
9
Tier 1 Capital Ratio
capital
Value: 48.11%
Peer Median: 14.84%
#9 of 885 Top 0.9% in $1B-$10B
13
Efficiency Ratio
profitability
Value: 27.22%
Peer Median: 59.73%
#13 of 885 Top 1.4% in $1B-$10B
39
Return on Assets
profitability
Value: 2.47%
Peer Median: 1.39%
#39 of 885 Top 4.3% in $1B-$10B
39
Loan-to-Deposit Ratio
liquidity
Value: 51.12%
Peer Median: 85.04%
#39 of 885 Top 4.3% in $1B-$10B
90
Total Loans
size
Value: $4.36B
Peer Median: $1.96B
#90 of 885 Top 10.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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