PromiseOne Bank: how it compares with its peers
Against 45 GA banks with half to twice its assets, PromiseOne Bank's strongest measure in Q2 2026 is assets per employee ($8.2M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (3.21% vs. 4.61%).
| Measure | PromiseOne Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.52% | 1.63% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.21% | 4.61% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.74% | 55.03% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $7.1M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.73% | 80.23% | Context |
What it means for lending operations
Its efficiency ratio of 57.74% is above the 55.03% 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
- Barwick Banking Company Barwick, GA · $830M
- First Century Bank, National Association Commerce, GA · $832M
- Citizens Trust Bank Atlanta, GA · $790M
- Farmers and Merchants Bank Lakeland, GA · $862M
- First National Community Bank Chatsworth, GA · $755M
Questions about PromiseOne Bank
How big is PromiseOne Bank?
PromiseOne Bank, established in 2008, is headquartered in Duluth, GA. It reported $812M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is PromiseOne Bank's return on assets?
1.52% annualized in Q2 2026, against a 1.63% median for 45 GA banks with half to twice its assets, ahead of 31% of them.
What is PromiseOne Bank's efficiency ratio?
57.74% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 55.03%, and lower is better.
Is PromiseOne Bank growing its loans?
Net loans grew 2.5% over the year to Q2 2026, while deposits shrank 1.1%.
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.