Apex Banking Company of Georgia: how it compares with its peers
Against 16 GA banks with half to twice its assets, Apex Banking Company of Georgia's strongest measure in Q2 2026 is net interest margin (5.07% vs. a 4.38% peer median). Its weakest relative measure is assets per employee ($3.6M vs. $4.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.55% | 0.94% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.07% | 4.38% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.55% | 75.79% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.6M | $4.8M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.32% | 64.43% | Context |
What it means for lending operations
Its efficiency ratio of 84.55% is above the 75.79% 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
- The Security State Bank Mcrae, GA · $70M
- Southeast First National Bank Summerville, GA · $75M
- The Bank of Edison Edison, GA · $84M
- Bank of Hancock County Sparta, GA · $85M
- Rochelle State Bank Rochelle, GA · $86M
- First State Bank of Randolph County Cuthbert, GA · $87M
Questions about Apex Banking Company of Georgia
How big is Apex Banking Company of Georgia?
Apex Banking Company of Georgia, established in 1907, is headquartered in Cleveland, GA. It reported $73M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Apex Banking Company of Georgia's return on assets?
0.55% annualized in Q2 2026, against a 0.94% median for 16 GA banks with half to twice its assets, ahead of 25% of them.
What is Apex Banking Company of Georgia's efficiency ratio?
84.55% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 75.79%, and lower is better.
Is Apex Banking Company of Georgia growing its loans?
Net loans grew 28.0% over the year to Q2 2026, while deposits grew 8.7%.
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.