Georgia Banking Company — Third Quarter 2026 Earnings Summary

Georgia Banking Company, Inc. (GBC) reported third-quarter 2026 results as the first full quarter of combined operations following its June 2026 acquisition of Tandem Bancorp, Inc. The company achieved a net interest margin of 4.17% and reported diluted earnings per share of $0.57, with an operating return on tangible common equity of 12.41%. GBC's balance sheet grew significantly, with loans held for investment averaging $2.2 billion and total deposits reaching $2.7 billion, driven by a robust treasury services platform that contributes to low-cost funding. The institution maintains a strong capital position with a Common Equity Tier 1 ratio of 10.59% and a conservative asset quality profile, where non-performing assets represent 0.70% of total assets.