COMMUNITY BANK OF PICKENS COUNTY

JASPER, GA | Medium | Est. Oct. 2, 2000, midnight | FDIC #35513 | RSSD #2943615 | FDIC
Latest Report: 2025-12-31

COMMUNITY BANK OF PICKENS COUNTY is amn medium FDIC-insured commercial bank headquartered in JASPER, GA, established in Oct. 2, 2000, midnight. As of 2025-12-31, the bank reported total assets of $630M and total deposits of $542M. Profitability stands at 2.29% ROA and 17.48% ROE, with a net interest margin of 5.23%. The bank's CET1 capital ratio is 19.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.14% and a Texas Ratio of 6.17%. FDIC Certificate #35513.

Assets

$630M

Deposits

$542M

Loans

$468M

Equity

$83M

Profitability

Return on Assets (ROA) 2.29%
Return on Equity (ROE) 17.48%
Net Interest Margin (NIM) 5.23%
Yield on Assets 7.28%
Cost of Funds 2.19%

Asset Quality

NPL Ratio 1.14%
Net Charge-Off Ratio 0.27%
Texas Ratio 6.17%
NPA Ratio 0.86%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 19.07%
Tier 1 Capital 19.07%
Total Capital Ratio 20.29%
Leverage Ratio 13.42%
Loan-to-Deposit 86.30%

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