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The Bank of Edison

under $100M Specialty: Agricultural GA FDIC cert 5686

Designations: ✓ Community bank

Edison, 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 536 banks in the under $100M peer group nationwide — 1 of 13 in GA.
  • Deposits +3.2% year over year ($78.6M on the books).
  • Delinquency rate 1.81%.
  • Return on assets 1.80%.
  • Efficiency ratio 68.66% vs a 119.40% peer average.
  • Loan-to-deposit ratio 63.10% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 13 in GA
View under $100M leaderboard (GA) →

The Bank of Edison has 4 strengths but faces 1 concern

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

  • + Non-Interest Income / Assets 0.23% below tier average
  • + ROA 0.81% above tier average
  • + Net Interest Margin 0.50% above tier average
  • + Efficiency Ratio 50.73% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.33% above tier average
Get updates when The Bank of Edison releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $83.9M
+4.3% YoY -1.1% QoQ
+$21.5M $62.4M
-0.0% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
76%
Total Loans ? $49.6M
+6.5% YoY +1.1% QoQ
+$14.7M $34.9M
-0.6% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
75%
Total Deposits ? $78.6M
+3.2% YoY -1.6% QoQ
+$26.9M $51.6M
-0.2% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
Top 11.0% in tier
Return on Assets ? 1.80%
+25.4% YoY +42.1% QoQ
+0.81% 1.00%
+3.5% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
84%
Net Interest Margin ? 4.41%
+1.4% YoY +0.3% QoQ
+0.50% 3.91%
+2.3% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
72%
Efficiency Ratio ? 68.66%
-3.9% YoY -8.4% QoQ
-50.73% 119.40%
+49.6% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 1.81%
+12.5% YoY +4.6% QoQ
+0.33% 1.48%
+31.8% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 63.10%
+3.1% YoY +2.7% QoQ
-11.11% 74.21%
+12.6% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
55%
Non-Interest-Bearing Deposit Share ? 25.96%
-1.7% YoY -7.6% QoQ
+2.47% 23.49%
+0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 1.07%
+14.8% YoY +7.0% QoQ
+0.23% 0.84%
+23.0% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
23%
Tier 1 Capital Ratio ? 14.27%
+4.8% YoY +4.9% QoQ
-12.86% 27.13%
+3.0% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
42%
Non-Interest Income / Assets ? 1.15%
+18.9% YoY +195.8% QoQ
-0.23% 1.38%
+6.3% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
Top 4.5% in tier

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 26.0%
-0.4pp YoY
-2.1pp QoQ
 +1.3pp 24.6% 26.2% 22.2% 60%
Brokered Deposits n/a n/a 9.8% 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 7.4%
-3.2pp YoY
-3.1pp QoQ
 -6.0pp 13.4% 9.7% 12.5% 35%
CRE n/a n/a 25.2% 48.9% 41.4% n/a
1-4 Family 23.2%
+7.6pp YoY
+1.5pp QoQ
 -11.8pp 35.0% 31.7% 31.3% 41%
Consumer 6.1%
-0.6pp YoY
+0.6pp QoQ
 -1.6pp 7.7% 4.8% 5.0% 57%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 14.3%
+0.7pp YoY
+0.7pp QoQ
 -24.4pp 38.7% 20.9% 19.7% 17%
Leverage Ratio 9.1%
0.0pp YoY
+0.6pp QoQ
 -8.6pp 17.7% 14.0% 12.6% 10%
Total Capital Ratio 15.5%
+0.7pp YoY
+0.7pp QoQ
 -24.1pp 39.7% 22.1% 20.8% 19%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 20
+2 (+11.1%) YoY
0 QoQ
 +8 12 98 482 88%
Assets per Employee ($) $4.2M
-6.1% YoY
-1.1% QoQ
 -$2.0M $6.2M $7.5M $8.8M 24%
Branch Count 1
0 YoY
0 QoQ
 -1 1 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 1.0% 0.1% 0.4% n/a
Nonaccrual 1.8%
+1.2pp YoY
+0.1pp QoQ
 +0.1pp 1.7% 0.8% 1.0% 72%
Allowance Coverage 0.82x
+4.1% YoY
+1.3% QoQ
 -5.59x 6.41x 38.10x 20.23x 38%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.1% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 31.7%
+1.2pp YoY
+8.7pp QoQ
 +25.3pp 6.4% 13.6% 11.6% 99%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.6pp 1.4% 1.6% 1.7% 85%
Net Income ($, YTD) $762,000
+32.5% YoY
— QoQ
 +$444K $317,817 $6.6M $40.4M 91%

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 (0)

No matched concern signatures this quarter

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 536 peers in under $100M

Top Strengths (5 metrics)

25
Non-Interest Income / Assets
revenue_mix
Value: 1.15%
Peer Median: 1.38%
#25 of 536 Top 4.5% in under $100M
60
Total Deposits
size
Value: $78.56M
Peer Median: $51.62M
#60 of 536 Top 11.0% in under $100M
87
Return on Assets
profitability
Value: 1.80%
Peer Median: 1.00%
#87 of 536 Top 16.0% in under $100M
129
Total Assets
size
Value: $83.95M
Peer Median: $62.44M
#129 of 536 Top 23.9% in under $100M
135
Total Loans
size
Value: $49.57M
Peer Median: $34.89M
#135 of 536 Top 25.0% in under $100M

Top Weaknesses (2 metrics)

415
Nonperforming Asset Ratio
credit_quality
Value: 1.07%
Peer Median: 0.84%
#415 of 536 Bottom 22.8% in under $100M
396
Delinquency Rate
credit_quality
Value: 1.81%
Peer Median: 1.48%
#396 of 517 Bottom 23.6% in under $100M
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