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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Georgia, the state note

Promiseone Bank

Duluth, Georgia · $812M in assets · beside the 11 other Georgia banks between $300M and $1B

The filing

8.6%
Equity / assets
11th of 12
41.9%
CRE / loans
11th of 12
284.3%
CRE / capital
9th of 12

Promiseone Bank is the sixth largest of the 12 Georgia banks nearest its size between $300M and $1B, with $812M in assets at 30 June 2026. Loans are 84.5% of deposits, 8th of 12 against a median of 82.7%, and equity is 8.6% of assets, 11th of 12. Loans grew +2.5% in the year, 8th of 12, and deposits fell 1.1%; the cohort's median loan growth is +6.9%.

Noncurrent loans are 0.81% of the book, 8th of 12 against a median of 0.48%; 0.96% is 30 to 89 days past due, and the allowance covers them 1.2 times. Net charge-offs are 0.10% of loans, 11th of 12. Commercial real estate is 41.9% of loans, 11th of 12 against a median of 34.7%, and 284% of capital, below the 300% screen, with construction at 2% against the 100% screen.

Return on assets is 1.50%, 8th of 12 against a median of 1.56%, on an efficiency ratio of 58.1%, 8th of 12. Five years ago it was 2.77%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansGA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 34.7% FC First Century Bank N.A. 5.6% FS First State Bank of Blakely 11.1% FS FNB South 22.3% CT Citizens Trust Bank 31.4% BB Barwick Banking Co. 32.0% AB Affinity Bank National Association 33.2% OS Oconee State Bank 36.2% FM Farmers & Merchants Bank 37.8% FN First National Community Bank 39.8% PS Peach State Bank & Trust 41.3% PB Promiseone Bank 41.9% FA First American Bank & Trust Co. 52.7%
Loans, year over yearGA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.9% FC First Century Bank N.A. +49.7% BB Barwick Banking Co. +31.6% OS Oconee State Bank +16.2% FS FNB South +12.1% FA First American Bank & Trust Co. +11.5% FM Farmers & Merchants Bank +7.5% PS Peach State Bank & Trust +6.4% PB Promiseone Bank +2.5% FN First National Community Bank +2.3% AB Affinity Bank National Association +2.3% FS First State Bank of Blakely -1.0% CT Citizens Trust Bank -2.0%

SBA 7(a), FY2008 to FY2026

Promiseone Bank is the 11th largest 7(a) lender into Georgia of 409, with $427M across 485 loans, 2.1% of everything approved in the state (Metro City Bank leads with $1.91B). 257 of its 342 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Gwinnett, GA$87M2nd of 1693.7%+0.1 pts
Dekalb, GA$58M6th of 1513.7%-2.6 pts
Fulton, GA$48M19th of 2111.5%+0.4 pts
Cobb, GA$28M17th of 1821.7%+0.8 pts
Dallas, TX$23M55th of 3140.4%-0.1 pts
Lee, FL$20M11th of 1691.8%quiet FY2021
Guilford, NC$18M8th of 1253.1%+0.7 pts
Henry, GA$18M5th of 1024.4%quiet FY2022
Duval, FL$17M17th of 1711.3%quiet FY2019
Brevard, FL$17M10th of 1292.5%quiet FY2021
Pueblo, CO$15M2nd of 659.6%quiet FY2020
Philadelphia, PA$15M22nd of 1471.2%-2.5 pts
Bexar, TX$14M39th of 2370.6%quiet FY2018
329 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services531$727M58.6%0.95%20th of 2,596
Retail trade323$289M23.3%0.47%45th of 2,589
Other services85$56M4.5%0.16%106th of 2,248
Agriculture, forestry & fishing43$48M3.9%0.59%21st of 1,007
Health care & social assistance59$35M2.8%0.07%175th of 2,172
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and Promiseone Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans PB Promiseone Bank 2.2% $427M · 485 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Promiseone BankRankCohort median
Total CRE against capital, the 300% screen284%9th of 12237%
Construction against capital, the 100% screen2%1st of 1255%
Construction and land development, share of loans0.3%1st of 1210.6%
Non-owner-occupied nonfarm nonresidential, share of loans39.1%12th of 1217.8%
Total CRE, the guidance definition, share of loans41.9%11th of 1234.7%
CRE growth over 36 months, the third prong+38.8%6th of 12+41.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Affinity Bank National Association$915M1.1%61.6%0.47%0.03%1.2%102.1%12.9%
First American Bank & Trust Co.$902M2.0%49.6%0.00%0.00%1.1%94.2%13.0%
Farmers & Merchants Bank$862M1.6%48.1%1.86%0.22%1.2%79.1%8.6%
First Century Bank N.A.$832M1.8%62.3%0.00%0.00%0.4%20.3%16.2%
Barwick Banking Co.$830M0.8%62.8%0.49%0.10%1.0%99.8%8.5%
Promiseone Bank$812M1.5%58.1%0.81%0.10%1.0%84.5%8.6%
Citizens Trust Bank$790M1.6%54.1%1.63%0.04%1.3%57.5%12.5%
Peach State Bank & Trust$786M1.4%54.8%0.00%-0.02%1.1%74.1%9.5%
First National Community Bank$755M1.9%48.8%0.43%-0.01%1.3%82.7%12.9%
Oconee State Bank$744M0.8%73.3%2.83%0.02%1.3%82.7%9.3%
FNB South$735M2.6%46.1%0.00%-1.40%3.2%81.5%15.9%
First State Bank of Blakely$668M1.8%51.4%3.36%0.00%1.5%85.3%19.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Promiseone BankCohort median
20212026Change20212026Change
Loans$407M$619M+52%$320M$542M+69%
Deposits$496M$732M+48%$463M$698M+51%
NPA / loans2.55%0.81%-1.74 pts0.96%0.48%-0.48 pts
Efficiency38.6%58.1%+19.5 pts64.3%54.4%-9.9 pts
ROA2.77%1.50%-1.27 pts1.01%1.56%+0.55 pts

This read was prepared for Promiseone Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Promiseone Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort GA banks $300M to $1B
Institution www.promiseone.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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