GEORGIA COMMUNITY BANK
GEORGIA COMMUNITY BANK is an FDIC-insured commercial bank headquartered in ALBANY, GA, established in 1999. As of , 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 4.98%. CET1 capital ratio: 13.14%, well above regulatory minimums. NPL ratio: 1.82% · Texas Ratio: 8.72%. Operates 8 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Georgia Community Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.14% | 2.04% | 1.82% | 8.72% | 4.98% |
| 2025-09-30 | 13.01% | 2.01% | 0.86% | 4.36% | 5.04% |
| 2025-06-30 | 12.30% | 1.88% | 0.95% | 5.24% | 4.96% |
| 2025-03-31 | 12.14% | 1.58% | 1.47% | 7.91% | 4.53% |
| 2024-12-31 | 11.69% | 2.14% | 0.84% | 4.51% | 4.64% |
| 2024-09-30 | 11.85% | 1.63% | 0.91% | 5.02% | 4.70% |
| 2024-06-30 | 11.48% | 0.87% | 0.84% | 4.80% | 4.58% |
| 2024-03-31 | 11.37% | 1.77% | 0.45% | 2.42% | 4.49% |
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Frequently asked about GEORGIA COMMUNITY BANK
What are Georgia Community Bank's total assets?
As of the Q4 2025 filing, Georgia Community Bank reported total assets of $380.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Georgia Community Bank headquartered?
Georgia Community Bank is headquartered in ALBANY, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Georgia Community Bank founded?
Georgia Community Bank was established in 1999, per the FDIC institution directory.
Is Georgia Community Bank FDIC-insured?
Yes. Georgia Community Bank is an FDIC-insured commercial bank (FDIC Certificate #35320). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Georgia Community Bank?
Georgia Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Georgia Community Bank's CET1 capital ratio?
Georgia Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.14% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Georgia Community Bank operate?
Georgia Community Bank operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Georgia Community Bank's Texas Ratio?
Georgia Community Bank's Texas Ratio is 8.72% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.