American Pride Bank: how it compares with its peers
Against 27 GA banks with half to twice its assets, American Pride Bank's strongest measure in Q2 2026 is assets per employee ($9.5M vs. a $8.2M peer median). Its weakest relative measure is return on assets (0.52% vs. 1.63%).
| Measure | American Pride Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.52% | 1.63% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.30% | 4.64% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.70% | 54.70% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $8.2M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.23% | 78.91% | Context |
What it means for lending operations
Its efficiency ratio of 76.70% is above the 54.70% 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 American Bank and Trust Company Athens, GA · $902M
- Farmers and Merchants Bank Lakeland, GA · $862M
- PeoplesSouth Bank Colquitt, GA · $1.21B
- First Century Bank, National Association Commerce, GA · $832M
- Barwick Banking Company Barwick, GA · $830M
Questions about American Pride Bank
How big is American Pride Bank?
American Pride Bank, established in 2007, is headquartered in Macon, GA. It reported $1.03B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is American Pride Bank's return on assets?
0.52% annualized in Q2 2026, against a 1.63% median for 27 GA banks with half to twice its assets, ahead of 0% of them.
What is American Pride Bank's efficiency ratio?
76.70% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 54.70%, and lower is better.
Is American Pride Bank growing its loans?
Net loans grew 94.4% over the year to Q2 2026, while deposits grew 97.2%.
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.