Carver State Bank: how it compares with its peers
Against 36 GA banks with half to twice its assets, Carver State Bank's strongest measure in Q2 2026 is net interest margin (4.36% vs. a 4.34% peer median). Its weakest relative measure is efficiency ratio (78.30% vs. 63.31%).
| Measure | Carver State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.00% | 1.34% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.36% | 4.34% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.30% | 63.31% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $5.6M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.97% | 66.41% | Context |
What it means for lending operations
Its efficiency ratio of 78.30% is above the 63.31% 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 Willacoochee, GA · $109M
- The Citizens National Bank of Quitman Quitman, GA · $134M
- Bank of Hazlehurst Hazlehurst, GA · $134M
- First Bank of Pike Zebulon, GA · $87M
- F & M Bank and Trust Company Manchester, GA · $87M
- The Four County Bank Allentown, GA · $87M
Questions about Carver State Bank
How big is Carver State Bank?
Carver State Bank, established in 1927, is headquartered in Savannah, GA. It reported $111M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Carver State Bank's return on assets?
1.00% annualized in Q2 2026, against a 1.34% median for 36 GA banks with half to twice its assets, ahead of 33% of them.
What is Carver State Bank's efficiency ratio?
78.30% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 63.31%, and lower is better.
Is Carver State Bank growing its loans?
Net loans grew 3.6% over the year to Q2 2026, while deposits grew 2.5%.
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.