Georgia Banking Company reported its first full quarter combined with Tandem, posting diluted EPS of $0.57, operating EPS of $0.74, a 4.17% net interest margin, $2.2B HFI loans and $2.7B average deposits for the quarter ended September 30, 2026.
GBC · Georgia Banking Co Inc
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The closing range uses available history since Oct 29, 2026; less than a full year is stored.
Latest documents
Georgia Banking Company reported third-quarter 2026 net income of $6.3 million, or $0.57 per diluted common share. It was the first full quarter of combined operations after the Tandem Bancorp, Inc. merger.
Georgia Banking Company, Inc. announced its common stock was approved for direct listing on Nasdaq Capital Market and is expected to begin trading on Thursday, October 29, 2026 under “GBC,” with no new shares issued or sold.
Georgia Banking Company, Inc. is pursuing a direct Nasdaq listing of voting common stock, registering resale of up to 7,074,016 shares and expecting trading on or about October 29, 2026.
Georgia Banking Company, Inc. registered up to 7,074,016 voting common shares for resale and applied to list its common stock on Nasdaq under “GBC.” The company will receive no proceeds from shareholder sales, and the direct listing depends on Nasdaq approval.
Metrics snapshot
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Equibles Rating
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Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL/Loans HFI | 1.36% | 3Q26 | — |
| Active warehouse clients | 60 | September 30, 2026 | — |
| ADC Concentration | 86% | September 30, 2026 | — |
| Adjusted Efficiency Ratio non-GAAP | 62.1% | 3Q26 YTD | — |
| Annual Treasury Services Fees | 1.51M | 3Q26 | — |
| Average Business Deposit Balances | 2.13B | 3Q26 YTD | — |
| Average life | 5.3 | September 30, 2026 | — |
| CET1 ratio | 10.59% | 3Q26 | — |
| Cost of Funds | 2.44% | 3Q26 | — |
| Cost of Total Deposits | 2.78% | 3Q26 | — |
| CRE Concentration | 302% | September 30, 2026 | — |
| FMV of investment portfolio represents | 4.9% | September 30, 2026 | — |
| Georgia Banking Company Deposit Market Share | 1.13% | 06/30/26 | — |
| HFI Loan Growth | 6.2% | 3Q26 | — |
| IB Demand | 13% | September 30, 2026 | — |
| Loan Yield | 3.5% | 3Q26 | — |
| MMDA & Sav | 46% | September 30, 2026 | — |
| Net Interest Margin | 4.17% | 3Q26 | — |
| Net pre-tax, pre-provision operating earnings non-GAAP | $12,926 | 3Q26 | — |
| NIB | 26% | September 30, 2026 | — |
| Non-Owner Occupied CRE – % of loans | 25.3% | September 30, 2026 | — |
| NPAs | 0.7% | 3Q26 | — |
| Operating Earnings non-GAAP | $8,074 | QTD 3Q26 | — |
| Operating earnings adjusted for amortization of core deposit intangibles non-GAAP | $8,284 | QTD 3Q26 | — |
| Operating Efficiency Ratio non-GAAP | 62.3% | 3Q26 | — |
| Operating EPS non-GAAP | $0.74 | 3Q26 | — |
| Operating noninterest expense non-GAAP | $21,318 | 3Q26 | — |
| Operating PPNR non-GAAP | 6.2% | 3Q26 | — |
| Operating ROAA non-GAAP | 1.03% | QTD 3Q26 | — |
| Operating ROAE non-GAAP | 10.8% | 3Q26 YTD | — |
| Operating ROTCE non-GAAP | 12.41% | 3Q26 | — |
| Owner Occupied CRE – % of loans | 10.9% | September 30, 2026 | — |
| Quarter over Quarter % Increase non-GAAP | 6.2% | 3Q26 | — |
| Tangible book value per common share non-GAAP | $25.08 | 3Q26 | — |
| Tangible Common Equity to Tangible Assets non-GAAP | 8.6% | 3Q26 | — |
| Time | 15% | September 30, 2026 | — |
| Total Core Deposits non-GAAP | $2,129,732 | Q3 2026 | — |
| Treasury Services’ deposits | 15% | September 30, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
GBC
this stock
Georgia Banking Co Inc
|
$370.86M | — | — | — | 0.0% |
|
HDB
Hdfc Bank Ltd
|
$132.25B | -29.6% | -3.2% | — | 0.8% |
|
IBN
Icici Bank Ltd
|
$123.47B | +15.4% | — | — | 0.5% |
|
MFG
Mizuho Financial Group Inc
|
$122.17B | +38.3% | — | — | 0.0% |
|
USB
US Bancorp De
|
$94.22B | +13.3% | +4.4% | 11.8 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every section- Filed
- Nov 6, 2026
- This year
- 7
Georgia Banking Company reported its first full quarter combined with Tandem, posting diluted EPS of $0.57, operating EPS of $0.74, a 4.17% net interest margin, $2.2B HFI loans and $2.7B average deposits for the quarter ended September 30, 2026.
ViewPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| GBC | +3.0% | — | — | -9.5% | — |
| SPY | +3.3% | -1.9% | +1.5% | +0.2% | +11.0% |
| vs SPY | -0.3% | — | — | -9.7% | — |