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Promiseone Bank
Duluth, GA · FDIC Certificate #58657 · Chartered 11/0
Total assets
$812.16M
Total deposits
$732.16M
Total equity
$69.66M
Net loans
$613.04M
Branches (offices)
10
Net income (YTD)
$6.30M
Rank: #1,239 of 4,213 U.S. banks by assets · #18 of 123 in Georgia. Assets changed -0.3% and deposits -1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 18.37% |
| Net interest margin (YTD) | 3.21% |
| Equity to assets | 8.58% |
| Tier 1 leverage ratio | 10.12% |
| Uninsured deposits (share of deposits) | 25.7% |
| Noncurrent loans (share of loans) | 0.81% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 83.7% |
| Real estate loans (share of loans) | 94.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $581.42M | 94.8% | |
| Commercial & industrial | $37.56M | 6.1% | |
| Consumer / individual | $8.00K | 0.0% | |
| Construction & development | $2.12M | 0.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $619.22M | $520.71M | $7.43M | $57.05M |
| Jun 2023 | $707.33M | $606.38M | $6.19M | $57.27M |
| Jun 2024 | $714.88M | $602.68M | $5.54M | $60.93M |
| Jun 2025 | $814.69M | $740.15M | $5.58M | $64.23M |
| Jun 2026 | $812.16M | $732.16M | $6.30M | $69.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $558.71M | 6 |
| Virginia | $134.38M | 2 |
| Texas | $23.48M | 1 |
| New York | $15.59M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $732.16M.
Similar-sized banks
The First Bank Of Greenwich ($812.29M) · Cusb Bank ($812.11M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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