Douglas National Bank: how it compares with its peers
Against 71 GA banks with half to twice its assets, Douglas National Bank's strongest measure in Q2 2026 is return on assets (3.51% vs. a 1.56% peer median). Its weakest relative measure is assets per employee ($9.6M vs. $6.8M).
| Measure | Douglas National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.51% | 1.56% | Top third Ahead of 97% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.35% | 4.61% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.71% | 58.07% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.6M | $6.8M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.75% | 78.41% | Context |
What it means for lending operations
Its efficiency ratio of 41.71% 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
- Bank of Newington Newington, GA · $334M
- Altamaha Bank & Trust Company Vidalia, GA · $334M
- Classic City Bank Athens, GA · $314M
- United National Bank Cairo, GA · $309M
- First Southern Bank Waycross, GA · $347M
- Craft Bank Atlanta, GA · $306M
Questions about Douglas National Bank
How big is Douglas National Bank?
Douglas National Bank, established in 2001, is headquartered in Douglas, GA. It reported $327M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Douglas National Bank's return on assets?
3.51% annualized in Q2 2026, against a 1.56% median for 71 GA banks with half to twice its assets, ahead of 97% of them.
What is Douglas National Bank's efficiency ratio?
41.71% in Q2 2026: it spent about 42 cents in noninterest expense for each dollar of revenue. The peer median is 58.07%, and lower is better.
Is Douglas National Bank growing its loans?
Net loans grew 11.4% over the year to Q2 2026, while deposits shrank 2.3%.
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.