BanksGEO. D. WARTHEN BANK, THE

GEO. D. WARTHEN BANK, THE

SANDERSVILLE, GASmallEst. Jan. 1, 1871, midnightFDIC #2154RSSD #305237FDIC
Latest · 2025-12-31

GEO. D. WARTHEN BANK, THE is an 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%. CET1 capital ratio: 21.28%, well above regulatory minimums. NPL ratio: 1.16% · Texas Ratio: 4.97%. Operates 1 domestic branch.

Assets
$195M
Deposits
$168M
Loans
$112M
Equity
$25M

Profitability

Return on Assets (ROA)1.44%
Return on Equity (ROE)11.67%
Net Interest Margin6.15%
Yield on Assets6.26%
Cost of Funds0.11%

Asset Quality

NPL Ratio1.16%
Net Charge-Off Ratio0.10%
Texas Ratio4.97%
NPA Ratio0.67%
ACL / Loans1.40%

Capital & Liquidity

CET1 Ratio21.28%
Tier 1 Capital21.28%
Total Capital Ratio22.54%
Leverage Ratio12.67%
Loan-to-Deposit66.72%

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