Community Banking Company: how it compares with its peers
Against 72 GA banks with half to twice its assets, Community Banking Company's strongest measure in Q2 2026 is efficiency ratio (53.12% vs. a 59.17% peer median). Its weakest relative measure is net interest margin (4.13% vs. 4.62%).
| Measure | Community Banking Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.66% | 1.57% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.13% | 4.62% | Bottom third Ahead of 28% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.12% | 59.17% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $6.6M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.80% | 80.23% | Context |
What it means for lending operations
Its efficiency ratio of 53.12% is better than the 59.17% 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
- Durden Banking Company, Incorporated Twin City, GA · $299M
- Georgia First Bank Soperton, GA · $291M
- The Claxton Bank Bellville, GA · $305M
- Farmers & Merchants Bank Eatonton, GA · $290M
- Craft Bank Atlanta, GA · $306M
- United National Bank Cairo, GA · $309M
Questions about Community Banking Company
How big is Community Banking Company?
Community Banking Company, established in 1996, is headquartered in Fitzgerald, GA. It reported $297M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Community Banking Company's return on assets?
1.66% annualized in Q2 2026, against a 1.57% median for 72 GA banks with half to twice its assets, ahead of 58% of them.
What is Community Banking Company's efficiency ratio?
53.12% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 59.17%, and lower is better.
Is Community Banking Company growing its loans?
Net loans grew 13.3% over the year to Q2 2026, while deposits grew 5.0%.
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.