Great Oaks Bank: how it compares with its peers
Against 72 GA banks with half to twice its assets, Great Oaks Bank's strongest measure in Q2 2026 is net interest margin (4.52% vs. a 4.62% peer median). Its weakest relative measure is efficiency ratio (68.60% vs. 57.29%).
| Measure | Great Oaks Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.42% | 1.58% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.52% | 4.62% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.60% | 57.29% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $7.2M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.24% | 80.27% | Context |
What it means for lending operations
Its efficiency ratio of 68.60% is above the 57.29% 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
- River City Bank Rome, GA · $423M
- The Citizens Bank of Swainsboro Swainsboro, GA · $420M
- F&M Bank Washington, GA · $420M
- Touchmark National Bank Alpharetta, GA · $417M
- CIBC National Trust Company Atlanta, GA · $413M
- Exchange Bank Milledgeville, GA · $410M
Questions about Great Oaks Bank
How big is Great Oaks Bank?
Great Oaks Bank, established in 1934, is headquartered in Richmond Hill, GA. It reported $422M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Great Oaks Bank's return on assets?
1.42% annualized in Q2 2026, against a 1.58% median for 72 GA banks with half to twice its assets, ahead of 33% of them.
What is Great Oaks Bank's efficiency ratio?
68.60% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 57.29%, and lower is better.
Is Great Oaks Bank growing its loans?
Net loans grew 3.6% over the year to Q2 2026, while deposits grew 4.6%.
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.