Side-by-side · Q2 2026 data
Rabun County Bank vs Georgia Community Bank
Metric by metric
| Measure | Rabun County Bank | Georgia Community Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 78 |
| Capital cushion | 55 | 87 (stronger) |
| Loan quality | 98 (stronger) | 58 |
| Earnings | 86 | 92 (stronger) |
| Funding & liquidity | 87 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 80th | 72nd |
| Total assets | $361.5M | $375.0M |
| Deposits / shares | $321.3M | $321.7M |
| Capital ratio | 10.49% | 13.67% (stronger) |
| Problem loans | 0.05% (stronger) | 1.25% |
| Net charge-offs | -0.01% (stronger) | 0.09% |
| Return on assets | 1.64% | 1.80% (stronger) |
| Loans ÷ deposits | 71.8% (stronger) | 78.4% |
| Uninsured deposits | 16.5% (stronger) | 27.9% |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.3% |
Rabun County Bank has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Rabun County Bank leads on 5 and Georgia Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.