Northeast Georgia Bank: how it compares with its peers
Against 53 GA banks with half to twice its assets, Northeast Georgia Bank's strongest measure in Q2 2026 is efficiency ratio (42.39% vs. a 56.49% peer median). Its weakest relative measure is assets per employee ($7.1M vs. $6.8M).
| Measure | Northeast Georgia Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.59% | 1.58% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.72% | 4.52% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 42.39% | 56.49% | Top third Ahead of 92% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.8M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.10% | 80.23% | Context |
What it means for lending operations
Its efficiency ratio of 42.39% is better than the 56.49% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First State Bank of Blakely Blakely, GA · $668M
- Community Bank of Pickens County Jasper, GA · $629M
- Southeastern Bank Darien, GA · $625M
- First Port City Bank Bainbridge, GA · $624M
- The Citizens Bank of Georgia Cumming, GA · $599M
- Guardian Bank Valdosta, GA · $598M
Questions about Northeast Georgia Bank
How big is Northeast Georgia Bank?
Northeast Georgia Bank, established in 1934, is headquartered in Lavonia, GA. It reported $651M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Northeast Georgia Bank's return on assets?
2.59% annualized in Q2 2026, against a 1.58% median for 53 GA banks with half to twice its assets, ahead of 91% of them.
What is Northeast Georgia Bank's efficiency ratio?
42.39% in Q2 2026: it spent about 42 cents in noninterest expense for each dollar of revenue. The peer median is 56.49%, and lower is better.
Is Northeast Georgia Bank growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits grew 1.9%.
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.