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Georgia Community Bank

$100M-$1B Specialty: Other GA FDIC cert 35320

Albany, GA

8 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 -0.8% year over year ($321.7M on the books).
  • Delinquency rate 1.26%.
  • Return on assets 1.80%.
  • Efficiency ratio 62.13% vs a 64.48% peer average.
  • Loan-to-deposit ratio 78.41% 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) →

Georgia Community Bank has 3 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 60.4% in tier
  • + ROA 0.48% above tier average
  • + Efficiency Ratio 2.35% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 33.5% in tier
  • - Delinquency Rate 0.34% above tier average
Get updates when Georgia Community 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 ? $375.0M
+0.3% YoY -2.6% QoQ
-$11.6M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
58%
Total Loans ? $252.2M
-4.8% YoY +2.3% QoQ
-$6.1M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $321.7M
-0.8% YoY -3.0% QoQ
-$5.1M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 1.80%
+4.2% YoY +4.8% QoQ
+0.48% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 4.92%
+1.3% YoY +1.4% QoQ
+0.94% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 9.2% in tier
Efficiency Ratio ? 62.13%
+1.5% YoY -1.4% QoQ
-2.35% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 1.26%
+106.1% YoY -7.9% QoQ
+0.34% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
23%
Loan-to-Deposit Ratio ? 78.41%
-4.1% YoY +5.4% QoQ
+0.46% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
53%
Non-Interest-Bearing Deposit Share ? 32.28%
-5.2% YoY -2.0% QoQ
+10.25% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Top 13.8% in tier
Nonperforming Asset Ratio ? 0.88%
+94.3% YoY -1.6% QoQ
+0.21% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
23%
Tier 1 Capital Ratio ? 13.67%
+3.8% YoY +0.5% QoQ
-2.24% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.19%
-6.1% YoY +107.1% QoQ
-0.38% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
45%

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 32.3%
-1.8pp YoY
-0.7pp QoQ
 +10.1pp 22.1% 26.2% 22.2% 86%
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 10.3%
-2.4pp YoY
-0.1pp QoQ
 -1.2pp 11.6% 9.7% 12.5% 54%
CRE 19.0%
+2.6pp YoY
+0.4pp QoQ
 -20.5pp 39.5% 48.9% 41.4% 16%
1-4 Family 47.7%
+3.6pp YoY
-0.1pp QoQ
 +15.1pp 32.6% 31.7% 31.3% 80%
Consumer 3.5%
+0.1pp YoY
+0.3pp QoQ
 -0.6pp 4.1% 4.8% 5.0% 65%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.9% 19.7% n/a
Leverage Ratio 13.7%
+0.5pp YoY
+0.1pp QoQ
 +1.5pp 12.2% 14.0% 12.6% 80%
Total Capital Ratio n/a n/a 19.9% 22.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 78
-3 (-3.7%) YoY
0 QoQ
 +19 58 98 482 76%
Assets per Employee ($) $4.8M
+4.2% YoY
-2.6% QoQ
 -$2.7M $7.5M $7.5M $8.8M 12%
Branch Count 8
0 YoY
0 QoQ
 +3 4 6 18 82%

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%
+0.7pp YoY
-0.1pp QoQ
 +0.3pp 0.9% 0.8% 1.0% 77%
Allowance Coverage 1.01x
-48.0% YoY
+3.9% QoQ
 -23.14x 24.15x 38.10x 20.23x 27%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 13.6%
-0.6pp YoY
+0.6pp QoQ
 +1.4pp 12.2% 13.6% 11.6% 59%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 36%
Net Income ($, YTD) $3.4M
+3.9% YoY
— QoQ
 +$871K $2.6M $6.6M $40.4M 75%

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
#169 of 278 • Top 60.4% 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: 32.28%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.92%
(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 (1)

Deposit Outflow

decline
#180 of 535 • Bottom 33.5% 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 (3 metrics)

245
Net Interest Margin
profitability
Value: 4.92%
Peer Median: 3.99%
#245 of 2643 Top 9.2% in $100M-$1B
366
Non-Interest-Bearing Deposit Share
funding
Value: 32.28%
Peer Median: 22.03%
#366 of 2643 Top 13.8% in $100M-$1B
524
Return on Assets
profitability
Value: 1.80%
Peer Median: 1.32%
#524 of 2643 Top 19.8% in $100M-$1B

Top Weaknesses (2 metrics)

2032
Delinquency Rate
credit_quality
Value: 1.26%
Peer Median: 0.92%
#2032 of 2633 Bottom 22.9% in $100M-$1B
2025
Nonperforming Asset Ratio
credit_quality
Value: 0.88%
Peer Median: 0.67%
#2025 of 2643 Bottom 23.4% in $100M-$1B
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