TellerScore

PromiseOne Bank is a state-chartered bank headquartered in Duluth, Georgia, in business for about 18 years. At the end of Q2 2026 it reported $812.2M in total assets and $732.2M in deposits, with 10 offices across 4 states.

PromiseOne Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 91st. Problem-loan coverage contributes the most (85/100, 7.6%); capital cushion contributes the least (51/100, 10.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.12%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.81%
Earnings81/100
Return on assets (annualized): 1.52%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 83.7% · 25.7% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.59%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (64 → 68), mostly because the loan quality component improved by 12 points.

TellerScore
647075Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202471
Q4 202466
Q1 202565
Q2 202564
Q3 202567
Q4 202567
Q1 202667
Q2 202668
Tier 1 leverage ratio
5.00%8.07%11.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.90%
Q3 202411.13%
Q4 20249.64%
Q1 202510.10%
Q2 202510.26%
Q3 202510.16%
Q4 20259.89%
Q1 20269.96%
Q2 202610.12%
Noncurrent loans
0.42%0.80%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.42%
Q3 20240.88%
Q4 20240.92%
Q1 20251.00%
Q2 20251.18%
Q3 20250.86%
Q4 20250.86%
Q1 20260.85%
Q2 20260.81%
Return on assets
1.38%1.46%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.54%
Q3 20241.55%
Q4 20241.51%
Q1 20251.38%
Q2 20251.38%
Q3 20251.42%
Q4 20251.47%
Q1 20261.44%
Q2 20261.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$812.2M10.12%0.81%1.52%83.7%
Q1 202667$840.4M9.96%0.85%1.44%79.1%
Q4 202567$837.0M9.89%0.86%1.47%79.9%
Q3 202567$822.6M10.16%0.86%1.42%81.4%
Q2 202564$814.7M10.26%1.18%1.38%80.8%
Q1 202565$796.2M10.10%1.00%1.38%83.0%
Q4 202466$811.5M9.64%0.92%1.51%78.4%
Q3 202471$722.6M11.13%0.88%1.55%90.6%
Q2 202475$714.9M10.90%0.42%1.54%92.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.12%
34th
Total risk-based capital16.82%
77th
Problem loans0.81%
33rd
Net charge-offs0.10%
19th
Return on assets1.52%
66th
Net interest margin3.21%
17th
Efficiency ratio57.7%
64th
Loans to deposits83.7%
41st
Uninsured deposits25.7%
43rd
Loan-loss reserves0.96%
22nd
Texas ratio7.6%
24th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Barwick Banking CompanyBank Barwick, GA57 out of 100, Moderate$829.6M8.7%0.49%vs
First Century Bank, National AssociationBank Commerce, GA90 out of 100, Very strong$831.6M16.8%0.00%vs
Citizens Trust BankBank Atlanta, GA71 out of 100, Strong$790.3M13.2%1.63%vs
Farmers and Merchants BankBank Lakeland, GA58 out of 100, Moderate$862.0M9.7%1.86%vs
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs
Oconee State BankBank Watkinsville, GA44 out of 100, Below average$744.1M10.0%2.83%vs

Deposit insurance

Is my money safe at PromiseOne Bank?

Yes. PromiseOne Bank is an FDIC-insured institution (FDIC certificate #58657). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.7% of deposits ($188.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.82% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

PromiseOne Bank lists 10 offices in 8 cities across 4 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
PromiseOne Bank
Former names
NOA Bank
Type
State-chartered bank
FDIC certificate #
58657
RSSD ID
3832127
Primary regulator
FDIC
Holding company
Promiseone Bcorp Inc
Established
November 6, 2008
Headquarters
2385 Pleasant Hill Rd, Duluth, GA 30096
Employees
99

Quick answers

PromiseOne Bank: common questions

Is PromiseOne Bank FDIC insured?

Yes. PromiseOne Bank is an FDIC-insured institution (FDIC certificate #58657). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is PromiseOne Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has PromiseOne Bank ever failed?

There is no failure record for FDIC certificate #58657 in the FDIC failed bank list.

How many branches does PromiseOne Bank have?

10 offices as of the latest FDIC data, in 4 states.

Nearby

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