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Community Bank of Pickens County

$100M-$1B Specialty: Commercial GA FDIC cert 35513

Jasper, GA

2 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 +5.8% year over year ($537.8M on the books).
  • Delinquency rate 1.98%.
  • Return on assets 2.35%.
  • Efficiency ratio 38.12% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.98% 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) →

Community Bank of Pickens County 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

  • + Return on Assets 1.03% above tier average
  • + Efficiency Ratio 26.36% below tier average
  • + Net Interest Margin 0.73% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 28.0% in tier
  • - Delinquency Rate 1.07% above tier average
Get updates when Community Bank of Pickens County releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $628.6M
+5.6% YoY -1.7% QoQ
+$242.0M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $483.9M
+7.9% YoY +3.3% QoQ
+$225.6M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
Top 13.1% in tier
Total Deposits ? $537.8M
+5.8% YoY -1.9% QoQ
+$211.1M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? 2.35%
-13.7% YoY +3.1% QoQ
+1.03% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 6.3% in tier
Net Interest Margin ? 4.72%
-10.8% YoY +4.0% QoQ
+0.73% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 13.9% in tier
Efficiency Ratio ? 38.12%
+4.3% YoY -0.8% QoQ
-26.36% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
Top 2.6% in tier
Delinquency Rate ? 1.98%
+57.7% YoY -7.7% QoQ
+1.07% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
Bottom 13.0% in tier
Loan-to-Deposit Ratio ? 89.98%
+2.0% YoY +5.3% QoQ
+12.03% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 19.75%
-1.4% YoY +2.9% QoQ
-2.28% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 1.60%
+69.1% YoY -0.2% QoQ
+0.93% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
Bottom 10.7% in tier
Tier 1 Capital Ratio ? 18.94%
-2.7% YoY -3.2% QoQ
+3.03% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.23%
-36.3% YoY +71.0% QoQ
-0.34% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
59%

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 19.8%
-0.3pp YoY
+0.6pp QoQ
 -2.4pp 22.1% 26.2% 22.2% 44%
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 3.8%
-1.0pp YoY
-0.5pp QoQ
 -7.7pp 11.6% 9.7% 12.5% 14%
CRE 75.7%
+0.2pp YoY
-0.1pp QoQ
 +36.2pp 39.5% 48.9% 41.4% 96%
1-4 Family 19.0%
+1.0pp YoY
+0.6pp QoQ
 -13.6pp 32.6% 31.7% 31.3% 28%
Consumer 1.9%
-0.3pp YoY
-0.1pp QoQ
 -2.3pp 4.1% 4.8% 5.0% 45%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 18.9%
-0.5pp YoY
-0.6pp QoQ
 +0.1pp 18.8% 20.9% 19.7% 74%
Leverage Ratio 13.6%
-0.2pp YoY
-0.1pp QoQ
 +1.4pp 12.2% 14.0% 12.6% 79%
Total Capital Ratio 20.1%
-0.6pp YoY
-0.7pp QoQ
 +0.2pp 19.9% 22.1% 20.8% 74%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 67
+3 (+4.7%) YoY
+1 (+1.5%) QoQ
 +8 58 98 482 68%
Assets per Employee ($) $9.4M
+0.9% YoY
-3.1% QoQ
 +$1.9M $7.5M $7.5M $8.8M 82%
Branch Count 2
0 YoY
0 QoQ
 -3 4 6 18 11%

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 2.0%
+0.8pp YoY
-0.1pp QoQ
 +1.0pp 0.9% 0.8% 1.0% 87%
Allowance Coverage 0.57x
-43.3% YoY
+6.2% QoQ
 -23.58x 24.15x 38.10x 20.23x 13%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 6%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 17.5%
-3.4pp YoY
+0.4pp QoQ
 +5.3pp 12.2% 13.6% 11.6% 80%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 63%
Net Income ($, YTD) $7.4M
-7.6% YoY
— QoQ
 +$4.9M $2.6M $6.6M $40.4M 96%

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 (1)

Liquidity Overhang

risk
#209 of 742 • Bottom 28.0% 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: 18.94%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 89.98%
(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

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 (7 metrics)

71
Efficiency Ratio
profitability
Value: 38.12%
Peer Median: 64.48%
#71 of 2643 Top 2.6% in $100M-$1B
168
Return on Assets
profitability
Value: 2.35%
Peer Median: 1.32%
#168 of 2643 Top 6.3% in $100M-$1B
346
Total Loans
size
Value: $483.93M
Peer Median: $258.35M
#346 of 2643 Top 13.1% in $100M-$1B
368
Net Interest Margin
profitability
Value: 4.72%
Peer Median: 3.99%
#368 of 2643 Top 13.9% in $100M-$1B
431
Tier 1 Capital Ratio
capital
Value: 18.94%
Peer Median: 15.91%
#431 of 2643 Top 16.3% in $100M-$1B
448
Total Deposits
size
Value: $537.83M
Peer Median: $326.73M
#448 of 2643 Top 16.9% in $100M-$1B
460
Total Assets
size
Value: $628.59M
Peer Median: $386.57M
#460 of 2643 Top 17.4% in $100M-$1B

Top Weaknesses (2 metrics)

2360
Nonperforming Asset Ratio
credit_quality
Value: 1.60%
Peer Median: 0.67%
#2360 of 2643 Bottom 10.7% in $100M-$1B
2293
Delinquency Rate
credit_quality
Value: 1.98%
Peer Median: 0.92%
#2293 of 2633 Bottom 13.0% in $100M-$1B
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