Queensborough National Bank & Trust Company: how it compares with its peers
Against 9 GA banks with half to twice its assets, Queensborough National Bank & Trust Company's strongest measure in Q2 2026 is return on assets (1.09% vs. a 1.57% peer median). Its weakest relative measure is net interest margin (3.91% vs. 4.23%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.57% | Bottom third Ahead of 22% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.91% | 4.23% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.12% | 50.92% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.9M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.64% | 88.99% | Context |
What it means for lending operations
Its efficiency ratio of 65.12% is above the 50.92% 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
- Thomasville National Bank Thomasville, GA · $2.18B
- United Bank Zebulon, GA · $2.16B
- PrimeSouth Bank Blackshear, GA · $1.60B
- BankSouth Greensboro, GA · $1.59B
- Georgia Banking Company Atlanta, GA · $3.26B
- PeoplesSouth Bank Colquitt, GA · $1.21B
Questions about Queensborough National Bank & Trust Company
How big is Queensborough National Bank & Trust Company?
Queensborough National Bank & Trust Company, established in 1902, is headquartered in Louisville, GA. It reported $2.28B in total assets in its Q2 2026 FDIC call report and operates 25 offices.
What is Queensborough National Bank & Trust Company's return on assets?
1.09% annualized in Q2 2026, against a 1.57% median for 9 GA banks with half to twice its assets, ahead of 22% of them.
What is Queensborough National Bank & Trust Company's efficiency ratio?
65.12% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 50.92%, and lower is better.
Is Queensborough National Bank & Trust Company growing its loans?
Net loans grew 10.3% over the year to Q2 2026, while deposits grew 6.2%.
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.