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The Bank of Edison

under $100M Specialty: Agricultural GA FDIC cert 5686

Designations: ✓ Community bank

Edison, GA

541 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 0.28% below tier average
  • + ROA 0.43% above tier average
  • + Net Interest Margin 0.54% above tier average
  • + Efficiency Ratio 13.40% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.36% above tier average
Get updates when The Bank of Edison releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $84.9M
+5.4% YoY +0.3% QoQ
+$22.8M $62.2M
-0.6% YoY
$814.8M
+10.0% YoY
$6.2B
+9.1% YoY
78%
Total Loans ? $49.0M
+16.8% YoY +4.3% QoQ
+$14.8M $34.2M
-1.4% YoY
$550.6M
+10.4% YoY
$3.2B
+10.8% YoY
75%
Total Deposits ? $79.8M
+4.5% YoY +0.1% QoQ
+$28.1M $51.7M
-0.7% YoY
$689.3M
+8.9% YoY
$4.8B
+8.2% YoY
Top 9.2% in tier
Return on Assets ? 1.27%
-31.2% YoY +46.0% QoQ
+0.43% 0.84%
-2.3% YoY
1.50%
+0.6% YoY
1.23%
+13.4% YoY
66%
Net Interest Margin ? 4.40%
+7.0% YoY +0.4% QoQ
+0.54% 3.86%
+2.8% YoY
4.36%
+2.3% YoY
3.89%
+5.7% YoY
72%
Efficiency Ratio ? 74.94%
+11.8% YoY -4.4% QoQ
-13.40% 88.34%
+0.3% YoY
62.13%
-1.5% YoY
66.95%
-4.1% YoY
45%
Delinquency Rate ? 1.73%
+808.2% YoY -1.9% QoQ
+0.36% 1.37%
+33.8% YoY
0.81%
+32.9% YoY
0.95%
+18.8% YoY
24%
Loan-to-Deposit Ratio ? 61.42%
+11.8% YoY +4.2% QoQ
-2.80% 64.22%
-0.7% YoY
71.10%
+2.8% YoY
76.70%
+0.9% YoY
56%
Non-Interest-Bearing Deposit Share ? 28.09%
-21.9% YoY +0.9% QoQ
+4.37% 23.71%
+0.3% YoY
26.76%
-3.7% YoY
22.01%
-1.2% YoY
68%
Nonperforming Asset Ratio ? 1.00%
+906.4% YoY +2.0% QoQ
+0.21% 0.79%
+28.2% YoY
0.56%
+24.4% YoY
0.67%
+19.3% YoY
23%
Tier 1 Capital Ratio ? 13.61%
-7.6% YoY -6.7% QoQ
-13.08% 26.68%
+2.0% YoY
17.30%
-0.8% YoY
17.06%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.39%
-42.3% YoY -65.1% QoQ
-0.28% 0.67%
+1.9% YoY
0.21%
+3.2% YoY
0.32%
+4.1% YoY
Top 5.9% in tier

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 541 peers in under $100M

Top Strengths (3 metrics)

33
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.67%
#33 of 541 Top 5.9% in under $100M
51
Total Deposits
size
Value: $79.83M
Peer Median: $51.74M
#51 of 541 Top 9.2% in under $100M
119
Total Assets
size
Value: $84.92M
Peer Median: $62.16M
#119 of 541 Top 21.8% in under $100M

Top Weaknesses (2 metrics)

415
Nonperforming Asset Ratio
credit_quality
Value: 1.00%
Peer Median: 0.79%
#415 of 541 Bottom 23.5% in under $100M
397
Delinquency Rate
credit_quality
Value: 1.73%
Peer Median: 1.37%
#397 of 521 Bottom 24.0% in under $100M
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