Community Bank of Pickens County: how it compares with its peers
Against 54 GA banks with half to twice its assets, Community Bank of Pickens County's strongest measure in Q2 2026 is efficiency ratio (38.12% vs. a 56.16% peer median). Its weakest relative measure is net interest margin (4.72% vs. 4.57%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.35% | 1.60% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.72% | 4.57% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 38.12% | 56.16% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.4M | $6.9M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.98% | 79.57% | Context |
What it means for lending operations
Its efficiency ratio of 38.12% is better than the 56.16% 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
- Southeastern Bank Darien, GA · $625M
- First Port City Bank Bainbridge, GA · $624M
- Northeast Georgia Bank Lavonia, GA · $651M
- The Citizens Bank of Georgia Cumming, GA · $599M
- Guardian Bank Valdosta, GA · $598M
- Pineland Bank Alma, GA · $597M
Questions about Community Bank of Pickens County
How big is Community Bank of Pickens County?
Community Bank of Pickens County, established in 2000, is headquartered in Jasper, GA. It reported $629M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Community Bank of Pickens County's return on assets?
2.35% annualized in Q2 2026, against a 1.60% median for 54 GA banks with half to twice its assets, ahead of 89% of them.
What is Community Bank of Pickens County's efficiency ratio?
38.12% in Q2 2026: it spent about 38 cents in noninterest expense for each dollar of revenue. The peer median is 56.16%, and lower is better.
Is Community Bank of Pickens County growing its loans?
Net loans grew 7.9% over the year to Q2 2026, while deposits grew 5.8%.
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.