The Geo. D. Warthen Bank: how it compares with its peers
Against 55 GA banks with half to twice its assets, The Geo. D. Warthen Bank's strongest measure in Q2 2026 is net interest margin (5.85% vs. a 4.43% peer median). Its weakest relative measure is efficiency ratio (75.61% vs. 60.25%).
| Measure | The Geo. D. Warthen Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.10% | 1.52% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.85% | 4.43% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.61% | 60.25% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $7.1M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.86% | 75.49% | Context |
What it means for lending operations
Its efficiency ratio of 75.61% is above the 60.25% 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
- Peoples Bank Lyons, GA · $192M
- Bank of Camilla Camilla, GA · $188M
- Farmers State Bank Lincolnton, GA · $186M
- Magnolia State Bank Eastman, GA · $199M
- The Citizens Bank of Cochran Cochran, GA · $201M
- Legacy State Bank Loganville, GA · $206M
Questions about The Geo. D. Warthen Bank
How big is The Geo. D. Warthen Bank?
The Geo. D. Warthen Bank, established in 1871, is headquartered in Sandersville, GA. It reported $190M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Geo. D. Warthen Bank's return on assets?
1.10% annualized in Q2 2026, against a 1.52% median for 55 GA banks with half to twice its assets, ahead of 27% of them.
What is The Geo. D. Warthen Bank's efficiency ratio?
75.61% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 60.25%, and lower is better.
Is The Geo. D. Warthen Bank growing its loans?
Net loans shrank 5.1% over the year to Q2 2026, while deposits shrank 6.7%.
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.