Georgia Community Bank: how it compares with its peers
Against 72 GA banks with half to twice its assets, Georgia Community Bank's strongest measure in Q2 2026 is net interest margin (4.92% vs. a 4.62% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $7.0M).
| Measure | Georgia Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.80% | 1.56% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.92% | 4.62% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.13% | 57.70% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $7.0M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.41% | 80.27% | Context |
What it means for lending operations
Its efficiency ratio of 62.13% is above the 57.70% 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
- First National Bank of Griffin Griffin, GA · $368M
- Rabun County Bank Clayton, GA · $362M
- First National Bank of Decatur County Bainbridge, GA · $360M
- Flint Community Bank Albany, GA · $357M
- Citizens Bank of the South Sandersville, GA · $395M
- First Southern Bank Waycross, GA · $347M
Questions about Georgia Community Bank
How big is Georgia Community Bank?
Georgia Community Bank, established in 1999, is headquartered in Albany, GA. It reported $375M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Georgia Community Bank's return on assets?
1.80% annualized in Q2 2026, against a 1.56% median for 72 GA banks with half to twice its assets, ahead of 68% of them.
What is Georgia Community Bank's efficiency ratio?
62.13% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 57.70%, and lower is better.
Is Georgia Community Bank growing its loans?
Net loans shrank 4.8% over the year to Q2 2026, while deposits shrank 0.8%.
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.