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PromiseOne Bank

$100M-$1B Specialty: Commercial GA FDIC cert 58657

Designations: ✓ Minority Depository Institution

Duluth, GA

10 branches across GA · VA · NY · TX

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 -1.1% year over year ($732.2M on the books).
  • Delinquency rate 0.82%.
  • Return on assets 1.52%.
  • Efficiency ratio 57.74% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.73% 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) →

PromiseOne 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

  • + ROA 0.20% above tier average
  • + Efficiency Ratio 6.74% below tier average
  • + Delinquency Rate 0.10% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 44.7% in tier
  • - Net Interest Margin 0.77% below tier average
Get updates when PromiseOne 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 ? $812.2M
-0.3% YoY -3.4% QoQ
+$425.6M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
Top 7.4% in tier
Total Loans ? $613.0M
+2.5% YoY +1.6% QoQ
+$354.7M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
Top 5.4% in tier
Total Deposits ? $732.2M
-1.1% YoY -3.9% QoQ
+$405.4M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
Top 4.8% in tier
Return on Assets ? 1.52%
+10.0% YoY +5.2% QoQ
+0.20% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 3.21%
+1.3% YoY +4.0% QoQ
-0.77% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
16%
Efficiency Ratio ? 57.74%
-1.0% YoY -2.4% QoQ
-6.74% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
64%
Delinquency Rate ? 0.82%
-31.5% YoY -4.7% QoQ
-0.10% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 83.73%
+3.6% YoY +5.8% QoQ
+5.78% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
41%
Non-Interest-Bearing Deposit Share ? 16.98%
-4.4% YoY +2.0% QoQ
-5.05% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 0.71%
-22.9% YoY +0.6% QoQ
+0.04% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 15.70%
-1.4% YoY -0.2% QoQ
-0.21% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.32%
+2.6% YoY +116.8% QoQ
-0.24% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
76%

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 17.0%
-0.8pp YoY
+0.3pp QoQ
 -5.2pp 22.1% 26.2% 22.2% 32%
Brokered Deposits 1.1%
-0.6pp YoY
0.0pp QoQ
 -6.8pp 7.9% 7.5% 8.5% 19%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 6.1%
+0.9pp YoY
-0.1pp QoQ
 -5.4pp 11.6% 9.7% 12.5% 26%
CRE 54.1%
+5.3pp YoY
+2.1pp QoQ
 +14.6pp 39.5% 48.9% 41.4% 76%
1-4 Family 40.3%
-5.9pp YoY
-1.9pp QoQ
 +7.7pp 32.6% 31.7% 31.3% 70%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.8% 5.0% 0%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 15.7%
-0.2pp YoY
0.0pp QoQ
 -3.1pp 18.8% 20.9% 19.7% 56%
Leverage Ratio 10.1%
-0.1pp YoY
+0.2pp QoQ
 -2.0pp 12.2% 14.0% 12.6% 34%
Total Capital Ratio 16.8%
-0.2pp YoY
0.0pp QoQ
 -3.1pp 19.9% 22.1% 20.8% 56%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 99
0 YoY
0 QoQ
 +40 58 98 482 86%
Assets per Employee ($) $8.2M
-0.3% YoY
-3.4% QoQ
 +$685K $7.5M $7.5M $8.8M 70%
Branch Count 10
0 YoY
0 QoQ
 +5 4 6 18 90%

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 0.8%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 0.9% 0.8% 1.0% 67%
Allowance Coverage 1.19x
+44.5% YoY
+6.4% QoQ
 -22.96x 24.15x 38.10x 20.23x 32%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 77%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 18.4%
+0.8pp YoY
+0.6pp QoQ
 +6.2pp 12.2% 13.6% 11.6% 83%
Cost of Funds (YTD) 2.8%
-0.2pp YoY
0.0pp QoQ
 +1.1pp 1.7% 1.6% 1.7% 95%
Net Income ($, YTD) $6.3M
+13.1% YoY
— QoQ
 +$3.7M $2.6M $6.6M $40.4M 93%

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)

Deposit Outflow

decline
#240 of 535 • Bottom 44.7% 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 (4 metrics)

129
Total Deposits
size
Value: $732.16M
Peer Median: $326.73M
#129 of 2643 Top 4.8% in $100M-$1B
145
Total Loans
size
Value: $613.04M
Peer Median: $258.35M
#145 of 2643 Top 5.4% in $100M-$1B
197
Total Assets
size
Value: $812.16M
Peer Median: $386.57M
#197 of 2643 Top 7.4% in $100M-$1B
643
Non-Interest Income / Assets
revenue_mix
Value: 0.32%
Peer Median: 0.57%
#643 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (1 metrics)

2209
Net Interest Margin
profitability
Value: 3.21%
Peer Median: 3.99%
#2209 of 2643 Bottom 16.5% in $100M-$1B
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