The Four County Bank: how it compares with its peers
Against 27 GA banks with half to twice its assets, The Four County Bank's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $4.9M peer median). Its weakest relative measure is net interest margin (4.77% vs. 4.36%).
| Measure | The Four County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.94% | 1.30% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.77% | 4.36% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.34% | 70.24% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $4.9M | Top third Ahead of 81% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.55% | 64.92% | Context |
What it means for lending operations
Its efficiency ratio of 56.34% is better than the 70.24% 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 Randolph County Cuthbert, GA · $87M
- F & M Bank and Trust Company Manchester, GA · $87M
- First Bank of Pike Zebulon, GA · $87M
- Rochelle State Bank Rochelle, GA · $86M
- Bank of Hancock County Sparta, GA · $85M
- The Bank of Edison Edison, GA · $84M
Questions about The Four County Bank
How big is The Four County Bank?
The Four County Bank, established in 1941, is headquartered in Allentown, GA. It reported $87M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Four County Bank's return on assets?
1.94% annualized in Q2 2026, against a 1.30% median for 27 GA banks with half to twice its assets, ahead of 74% of them.
What is The Four County Bank's efficiency ratio?
56.34% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 70.24%, and lower is better.
Is The Four County Bank growing its loans?
Net loans shrank 1.2% over the year to Q2 2026, while deposits shrank 3.1%.
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.