Apex Banking Company of Georgia
Cleveland, GA·RSSD 102333·FDIC 10074·bank:102333·CBLR opted in
- #121 of 125Total assets in Georgia
- 2offices
- 20employees
- Top 4%Loan growth in the U.S.
- Top 8%Net interest margin vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Apex Banking Company of Georgia
1 of 24 FORFI signals stand out against 583 similar banks, based on FDIC data for the quarter.
Loans growing faster than peersStrength: Lending+27.9%peers +2.6%+25.3 pp
Apex Banking Company of Georgia's loans grew 27.9% over the past year to $45.3 million. The median among 518 similar banks was +2.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +27.9% | +2.6% | +25.3 pp |
| Loans | ||
| $45.3 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Apex Banking Company of Georgia itself is left out of every peer median and percentile. How signals work
Where Apex Banking Company of Georgia differs most from peers
Net interest margin among the highest of similar banksContext: Earnings5.32%peers 3.94%+139 bps
Apex Banking Company of Georgia's net interest margin was 5.32%, compared with a median of 3.94% among 572 similar banks: higher than 92% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 5.32% | 3.94% | +139 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Apex Banking Company of Georgia itself is left out of every peer median and percentile. How signals work
Noninterest-bearing deposit share falling while the peer median risesContext: Funding23.8%peers 23.1%+0.7 pp
Apex Banking Company of Georgia's share of deposits that pay no interest fell 2.3 percentage points over the past year to 23.8%. Among 534 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 23.8% | 23.1% | +0.7 pp |
| 12-month change | ||
| -2.3 pp | +0.2 pp | -2.5 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Apex Banking Company of Georgia itself is left out of every peer median and percentile. How signals work
Key facts
- Apex Banking Company of Georgia is a bank headquartered in Cleveland, Georgia. It reported $72.6 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $66.5 million, up 8.7% from a year earlier, and loans totaled $45.3 million, up 27.9%.
- Its net interest margin was 5.32% and its annualized return on assets was 0.59% for the quarter.
- Its cost of all deposits was 1.07%, compared with a median of 1.51% among 538 similar banks with under $100 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Apex Banking Company of Georgia's own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- Apex Banking Company of Georgia · Bank
- Federal Reserve RSSD
- 102333
- FDIC certificate
- 10074
- Reporting period
- Peer group
- 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Apex Banking Company of Georgia itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $107K | — | |
| $1.06M | — | |
| $181K | — | |
| $877K | — | |
| $89K | — | |
| $809K | — | |
| $22K | — | |
| $22K | — | |
| 0.59% | 0.59%ROAQ · Quarter | |
| 5.32% | 5.31%NIMYQ · Quarter | |
| 83.75% | 83.75%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.