West Central Georgia Bank: how it compares with its peers
Against 53 GA banks with half to twice its assets, West Central Georgia Bank's strongest measure in Q2 2026 is efficiency ratio (55.75% vs. a 61.42% peer median). Its weakest relative measure is assets per employee ($5.9M vs. $6.7M).
| Measure | West Central Georgia Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.65% | 1.45% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.29% | 4.40% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.75% | 61.42% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.7M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.77% | 72.15% | Context |
What it means for lending operations
Its efficiency ratio of 55.75% is better than the 61.42% 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
- Bank of Dawson Dawson, GA · $160M
- Family Bank Pelham, GA · $162M
- Bank of Dade Trenton, GA · $162M
- Bank of Monticello Monticello, GA · $158M
- Farmers State Bank Dublin, GA · $156M
Questions about West Central Georgia Bank
How big is West Central Georgia Bank?
West Central Georgia Bank, established in 1974, is headquartered in Thomaston, GA. It reported $160M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is West Central Georgia Bank's return on assets?
1.65% annualized in Q2 2026, against a 1.45% median for 53 GA banks with half to twice its assets, ahead of 62% of them.
What is West Central Georgia Bank's efficiency ratio?
55.75% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 61.42%, and lower is better.
Is West Central Georgia Bank growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits grew 1.4%.
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.