GEO. D. WARTHEN BANK, THE

SANDERSVILLE, GA | Small | Est. Jan. 1, 1871, midnight | FDIC #2154 | RSSD #305237 | FDIC
Latest Report: 2025-12-31

GEO. D. WARTHEN BANK, THE is asn small FDIC-insured commercial bank headquartered in SANDERSVILLE, GA, established in Jan. 1, 1871, midnight. As of 2025-12-31, the bank reported total assets of $195M and total deposits of $168M. Profitability stands at 1.44% ROA and 11.67% ROE, with a net interest margin of 6.15%. The bank's CET1 capital ratio is 21.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.16% and a Texas Ratio of 4.97%. FDIC Certificate #2154.

Assets

$195M

Deposits

$168M

Loans

$112M

Equity

$25M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 11.67%
Net Interest Margin (NIM) 6.15%
Yield on Assets 6.26%
Cost of Funds 0.11%

Asset Quality

NPL Ratio 1.16%
Net Charge-Off Ratio 0.10%
Texas Ratio 4.97%
NPA Ratio 0.67%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 21.28%
Tier 1 Capital 21.28%
Total Capital Ratio 22.54%
Leverage Ratio 12.67%
Loan-to-Deposit 66.72%

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