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

RBC Bank Georgia N.A.

Atlanta, Georgia · $9.59B in assets · beside the 11 other the Southeast banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

0.0%
CRE / loans
1st of 12
27.8%
Efficiency
1st of 12
+54.7%
Loans, year over year
1st of 12, largest first

RBC Bank Georgia N.A. is the largest of the 12 the Southeast banks nearest its size between $3B and $10B, with $9.59B in assets at 30 June 2026. Loans are 51.4% of deposits, 2nd of 12 against a median of 86.0%, and equity is 10.0% of assets, 8th of 12. Loans grew +54.7% in the year, the fastest in the cohort, and deposits grew 42.7%; the cohort's median loan growth is +7.9%.

Noncurrent loans are 0.41% of the book, 6th of 12 against a median of 0.41%; 0.43% is 30 to 89 days past due, and the allowance covers them 1.3 times. Net charge-offs are 0.28% of loans, 11th of 12. Commercial real estate is 0.0% of loans, the lowest in the cohort against a median of 28.7%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 2.31%, 2nd of 12 against a median of 1.40%, on an efficiency ratio of 27.8%, the lowest in the cohort. Five years ago it was 0.64%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansSoutheast banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 28.7% RB RBC Bank Georgia N.A. 0.0% BB Bradesco Bank 7.1% FF First Federal Bank 17.1% MC Metro City Bank 19.7% SB Southern Bank & Trust Co. 24.9% SF Southern First Bank 27.0% CN City National Bank of West Virginia 30.4% EB Emigrant Bank 30.6% BU Banesco USA 36.0% FB Fidelity Bank 40.4% CB Carter Bank & Trust 65.9% OB Ocean Bank 71.0%
Loans, year over yearSoutheast banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.9% RB RBC Bank Georgia N.A. +54.7% MC Metro City Bank +26.6% BB Bradesco Bank +15.2% OB Ocean Bank +9.1% SB Southern Bank & Trust Co. +8.4% BU Banesco USA +8.4% SF Southern First Bank +7.5% FB Fidelity Bank +5.9% FF First Federal Bank +4.6% CN City National Bank of West Virginia +3.9% CB Carter Bank & Trust -0.3% EB Emigrant Bank -3.8%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
RBC Bank Georgia N.A.RankCohort median
Total CRE against capital, the 300% screen0%1st of 12182%
Construction against capital, the 100% screen0%1st of 1221%
Construction and land development, share of loans0.0%1st of 124.7%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 1218.2%
Total CRE, the guidance definition, share of loans0.0%1st of 1228.7%
CRE growth over 36 months, the third prong-100.0%1st of 12+17.0%
Commercial real estate against capital, the 300% screenSoutheast banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 182% RB RBC Bank Georgia N.A. 0% FF First Federal Bank 49% BB Bradesco Bank 50% EB Emigrant Bank 100% MC Metro City Bank 148% SB Southern Bank & Trust Co. 158% CN City National Bank of West Virginia 206% FB Fidelity Bank 206% BU Banesco USA 216% SF Southern First Bank 236% CB Carter Bank & Trust 395% OB Ocean Bank 528%
CRE growth over 36 months, the guidance's third prongSoutheast banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +17.0% RB RBC Bank Georgia N.A. -100.0% EB Emigrant Bank -21.9% SB Southern Bank & Trust Co. -2.0% FF First Federal Bank +4.0% SF Southern First Bank +4.9% CB Carter Bank & Trust +14.3% CN City National Bank of West Virginia +19.8% BU Banesco USA +22.3% FB Fidelity Bank +24.1% OB Ocean Bank +26.8% BB Bradesco Bank +70.0% MC Metro City Bank +662.7%

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
RBC Bank Georgia N.A.$9.59B2.3%27.8%0.41%0.28%0.5%51.4%10.0%
Ocean Bank$7.63B1.1%60.6%0.38%0.00%1.4%100.1%9.6%
City National Bank of West Virginia$6.76B1.9%48.1%0.22%0.05%0.5%83.0%10.6%
Bradesco Bank$6.10B1.0%59.3%0.15%0.00%1.0%91.3%9.9%
Banesco USA$5.98B1.5%53.9%0.49%0.10%0.9%76.7%10.5%
Emigrant Bank$5.68B0.6%79.9%4.77%0.68%2.0%95.1%21.4%
Southern Bank & Trust Co.$5.30B1.3%52.6%0.12%0.00%1.0%74.7%8.2%
Carter Bank & Trust$4.80B3.6%38.6%1.01%-0.83%1.5%89.0%11.3%
Southern First Bank$4.70B0.9%57.4%0.28%0.01%1.1%100.9%8.7%
Fidelity Bank$4.66B1.7%51.5%0.42%0.06%1.3%70.1%10.0%
First Federal Bank$4.49B1.2%66.7%2.96%0.11%0.8%41.7%10.4%
Metro City Bank$4.47B2.0%41.0%0.44%0.01%0.7%112.3%11.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
RBC Bank Georgia N.A.Cohort median
20212026Change20212026Change
Loans$1.72B$4.39B+154%$2.19B$3.97B+81%
Deposits$5.14B$8.54B+66%$3.31B$4.51B+36%
NPA / loans0.58%0.41%-0.17 pts0.37%0.41%+0.04 pts
Efficiency63.3%27.8%-35.5 pts64.2%53.3%-10.9 pts
ROA0.64%2.31%+1.67 pts1.23%1.40%+0.17 pts

This read was prepared for RBC Bank Georgia N.A.'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 RBC Bank Georgia N.A. 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 Southeast banks $3B to $10B
Institution www.rbcbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band. 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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