Bank of Dudley: how it compares with its peers
Against 65 GA banks with half to twice its assets, Bank of Dudley's strongest measure in Q2 2026 is net interest margin (4.42% vs. a 4.64% peer median). Its weakest relative measure is efficiency ratio (67.46% vs. 56.50%).
| Measure | Bank of Dudley | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.97% | 1.63% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.42% | 4.64% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.46% | 56.50% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $7.1M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.86% | 80.31% | Context |
What it means for lending operations
Its efficiency ratio of 67.46% is above the 56.50% 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 National Bank of Coffee County Douglas, GA · $547M
- Sunmark Community Bank Perry, GA · $557M
- First State Bank Wrens, GA · $513M
- Peoples Bank & Trust Buford, GA · $563M
- Citizens Bank of Americus Americus, GA · $511M
- South Georgia Banking Company Omega, GA · $570M
Questions about Bank of Dudley
How big is Bank of Dudley?
Bank of Dudley, established in 1905, is headquartered in Dudley, GA. It reported $538M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Bank of Dudley's return on assets?
0.97% annualized in Q2 2026, against a 1.63% median for 65 GA banks with half to twice its assets, ahead of 17% of them.
What is Bank of Dudley's efficiency ratio?
67.46% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 56.50%, and lower is better.
Is Bank of Dudley growing its loans?
Net loans grew 17.6% over the year to Q2 2026, while deposits grew 17.9%.
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 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.