BANK OF DAWSON

DAWSON, GA | Small | Est. July 1, 1911, midnight | FDIC #876 | RSSD #193537 | FDIC
Latest Report: 2025-12-31

BANK OF DAWSON is asn small FDIC-insured commercial bank headquartered in DAWSON, GA, established in July 1, 1911, midnight. As of 2025-12-31, the bank reported total assets of $158M and total deposits of $132M. Profitability stands at 0.47% ROA and 2.97% ROE, with a net interest margin of 4.24%. The bank's CET1 capital ratio is 24.97%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.21% and a Texas Ratio of 12.03%. FDIC Certificate #876.

Assets

$158M

Deposits

$132M

Loans

$91M

Equity

$25M

Profitability

Return on Assets (ROA) 0.47%
Return on Equity (ROE) 2.97%
Net Interest Margin (NIM) 4.24%
Yield on Assets 6.38%
Cost of Funds 2.37%

Asset Quality

NPL Ratio 3.21%
Net Charge-Off Ratio 0.16%
Texas Ratio 12.03%
NPA Ratio 2.01%
ACL / Loans 1.69%

Capital & Liquidity

CET1 Ratio 24.97%
Tier 1 Capital 24.97%
Total Capital Ratio 26.22%
Leverage Ratio 17.32%
Loan-to-Deposit 68.91%

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