GEORGIA BANKING COMPANY

ATLANTA, GA | Large | Est. Nov. 1, 2001, midnight | FDIC #57071 | RSSD #3016347 | FDIC
Latest Report: 2025-12-31

GEORGIA BANKING COMPANY is aln large FDIC-insured commercial bank headquartered in ATLANTA, GA, established in Nov. 1, 2001, midnight. As of 2025-12-31, the bank reported total assets of $2.7B and total deposits of $2.4B. Profitability stands at 1.27% ROA and 13.52% ROE, with a net interest margin of 4.65%. The bank's CET1 capital ratio is 11.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.66% and a Texas Ratio of 5.17%. FDIC Certificate #57071.

Assets

$2.7B

Deposits

$2.4B

Loans

$2.2B

Equity

$258M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 13.52%
Net Interest Margin (NIM) 4.65%
Yield on Assets 7.02%
Cost of Funds 4.20%

Asset Quality

NPL Ratio 0.66%
Net Charge-Off Ratio 0.04%
Texas Ratio 5.17%
NPA Ratio 0.54%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 11.52%
Tier 1 Capital 11.52%
Total Capital Ratio 12.74%
Leverage Ratio 9.37%
Loan-to-Deposit 94.00%

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