Georgia Banking Company: how it compares with its peers
Against 462 U.S. banks with half to twice its assets, Georgia Banking Company's strongest measure in Q2 2026 is net interest margin (4.21% vs. a 3.67% peer median). Its weakest relative measure is efficiency ratio (64.03% vs. 58.58%).
| Measure | Georgia Banking Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 1.27% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.21% | 3.67% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.03% | 58.58% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.9M | $9.1M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.99% | 88.24% | Context |
What it means for lending operations
Its efficiency ratio of 64.03% is above the 58.58% 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
- Bristol County Savings Bank Taunton, MA · $3.26B
- Stearns Bank National Association Saint Cloud, MN · $3.27B
- WestStar Bank El Paso, TX · $3.28B
- First Western Trust Bank Denver, CO · $3.24B
- Bank of Guam Hagatna, GU · $3.24B
- Lone Star National Bank Pharr, TX · $3.28B
Questions about Georgia Banking Company
How big is Georgia Banking Company?
Georgia Banking Company, established in 2001, is headquartered in Atlanta, GA. It reported $3.26B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Georgia Banking Company's return on assets?
1.05% annualized in Q2 2026, against a 1.27% median for 462 U.S. banks with half to twice its assets, ahead of 31% of them.
What is Georgia Banking Company's efficiency ratio?
64.03% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 58.58%, and lower is better.
Is Georgia Banking Company growing its loans?
Net loans grew 15.4% over the year to Q2 2026, while deposits grew 37.9%.
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 U.S. 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.