Bank of Hancock County: how it compares with its peers
Against 26 GA banks with half to twice its assets, Bank of Hancock County's strongest measure in Q2 2026 is assets per employee ($5.0M vs. a $4.9M peer median). Its weakest relative measure is return on assets (0.46% vs. 1.34%).
| Measure | Bank of Hancock County | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.46% | 1.34% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.42% | 4.41% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 87.27% | 69.45% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $4.9M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 23.53% | 67.32% | Context |
What it means for lending operations
Its efficiency ratio of 87.27% is above the 69.45% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Rochelle State Bank Rochelle, GA · $86M
- The Bank of Edison Edison, GA · $84M
- First State Bank of Randolph County Cuthbert, GA · $87M
- The Four County Bank Allentown, GA · $87M
- F & M Bank and Trust Company Manchester, GA · $87M
- First Bank of Pike Zebulon, GA · $87M
Questions about Bank of Hancock County
How big is Bank of Hancock County?
Bank of Hancock County, established in 1904, is headquartered in Sparta, GA. It reported $85M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Bank of Hancock County's return on assets?
0.46% annualized in Q2 2026, against a 1.34% median for 26 GA banks with half to twice its assets, ahead of 12% of them.
What is Bank of Hancock County's efficiency ratio?
87.27% in Q2 2026: it spent about 87 cents in noninterest expense for each dollar of revenue. The peer median is 69.45%, and lower is better.
Is Bank of Hancock County growing its loans?
Net loans shrank 8.9% over the year to Q2 2026, while deposits grew 0.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.