Rabun County Bank: how it compares with its peers
Against 71 GA banks with half to twice its assets, Rabun County Bank's strongest measure in Q2 2026 is efficiency ratio (51.46% vs. a 58.07% peer median). Its weakest relative measure is net interest margin (4.09% vs. 4.66%).
| Measure | Rabun County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.64% | 1.56% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.09% | 4.66% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.46% | 58.07% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $6.7M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.80% | 80.23% | Context |
What it means for lending operations
Its efficiency ratio of 51.46% is better than the 58.07% 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
- First National Bank of Decatur County Bainbridge, GA · $360M
- Flint Community Bank Albany, GA · $357M
- First National Bank of Griffin Griffin, GA · $368M
- Georgia Community Bank Albany, GA · $375M
- First Southern Bank Waycross, GA · $347M
- Altamaha Bank & Trust Company Vidalia, GA · $334M
Questions about Rabun County Bank
How big is Rabun County Bank?
Rabun County Bank, established in 1975, is headquartered in Clayton, GA. It reported $362M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Rabun County Bank's return on assets?
1.64% annualized in Q2 2026, against a 1.56% median for 71 GA banks with half to twice its assets, ahead of 56% of them.
What is Rabun County Bank's efficiency ratio?
51.46% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 58.07%, and lower is better.
Is Rabun County Bank growing its loans?
Net loans grew 11.9% over the year to Q2 2026, while deposits grew 6.0%.
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.