Bank of Alapaha: how it compares with its peers
Against 70 GA banks with half to twice its assets, Bank of Alapaha's strongest measure in Q2 2026 is return on assets (0.65% vs. a 1.57% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $6.7M).
| Measure | Bank of Alapaha | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.65% | 1.57% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.44% | 4.62% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.06% | 59.17% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.7M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 53.80% | 78.41% | Context |
What it means for lending operations
Its efficiency ratio of 76.06% is above the 59.17% 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 Peoples Bank of Georgia Talbotton, GA · $252M
- Waycross Bank & Trust Waycross, GA · $242M
- AB&T Albany, GA · $261M
- Loyal Trust Bank Johns Creek, GA · $235M
- Community Bank of Georgia Baxley, GA · $269M
- South Georgia Bank Glennville, GA · $270M
Questions about Bank of Alapaha
How big is Bank of Alapaha?
Bank of Alapaha, established in 1905, is headquartered in Alapaha, GA. It reported $251M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Bank of Alapaha's return on assets?
0.65% annualized in Q2 2026, against a 1.57% median for 70 GA banks with half to twice its assets, ahead of 11% of them.
What is Bank of Alapaha's efficiency ratio?
76.06% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 59.17%, and lower is better.
Is Bank of Alapaha growing its loans?
Net loans grew 3.3% over the year to Q2 2026, while deposits grew 5.1%.
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.