DURDEN BANKING COMPANY, INCORPORATED

TWIN CITY, GA | Small | Est. Jan. 1, 1934, midnight | FDIC #15336 | RSSD #101439 | FDIC
Latest Report: 2025-12-31

DURDEN BANKING COMPANY, INCORPORATED is asn small FDIC-insured commercial bank headquartered in TWIN CITY, GA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $284M and total deposits of $238M. Profitability stands at 2.88% ROA and 18.83% ROE, with a net interest margin of 6.34%. The bank's CET1 capital ratio is 21.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.22%. FDIC Certificate #15336.

Assets

$284M

Deposits

$238M

Loans

$235M

Equity

$45M

Profitability

Return on Assets (ROA) 2.88%
Return on Equity (ROE) 18.83%
Net Interest Margin (NIM) 6.34%
Yield on Assets 7.21%
Cost of Funds 0.95%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.22%
NPA Ratio 0.04%
ACL / Loans 1.81%

Capital & Liquidity

CET1 Ratio 21.84%
Tier 1 Capital 21.84%
Total Capital Ratio 23.10%
Leverage Ratio 15.91%
Loan-to-Deposit 98.69%

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