GEORGIA COMMUNITY BANK

ALBANY, GA | Small | Est. Aug. 31, 1999, midnight | FDIC #35320 | RSSD #2823221 | FDIC
Latest Report: 2025-12-31

GEORGIA COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in ALBANY, GA, established in Aug. 31, 1999, midnight. As of 2025-12-31, the bank reported total assets of $380M and total deposits of $327M. Profitability stands at 2.04% ROA and 15.39% ROE, with a net interest margin of 5.05%. The bank's CET1 capital ratio is 12.93%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.51% and a Texas Ratio of 7.24%. FDIC Certificate #35320.

Assets

$380M

Deposits

$327M

Loans

$255M

Equity

$51M

Profitability

Return on Assets (ROA) 2.04%
Return on Equity (ROE) 15.39%
Net Interest Margin (NIM) 5.05%
Yield on Assets 6.58%
Cost of Funds 1.64%

Asset Quality

NPL Ratio 1.51%
Net Charge-Off Ratio 0.15%
Texas Ratio 7.24%
NPA Ratio 1.03%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 12.93%
Tier 1 Capital 12.93%
Total Capital Ratio 13.58%
Leverage Ratio 14.08%
Loan-to-Deposit 78.15%

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