GREAT OAKS BANK

RICHMOND HILL, GA | Small | Est. Jan. 1, 1934, midnight | FDIC #16780 | RSSD #364131 | FDIC
Latest Report: 2025-12-31

GREAT OAKS BANK is asn small FDIC-insured commercial bank headquartered in RICHMOND HILL, GA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $399M and total deposits of $355M. Profitability stands at 1.55% ROA and 17.00% ROE, with a net interest margin of 4.81%. The bank's CET1 capital ratio is 14.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.37%. FDIC Certificate #16780.

Assets

$399M

Deposits

$355M

Loans

$276M

Equity

$40M

Profitability

Return on Assets (ROA) 1.55%
Return on Equity (ROE) 17.00%
Net Interest Margin (NIM) 4.81%
Yield on Assets 6.55%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.37%
NPA Ratio 0.04%
ACL / Loans 1.54%

Capital & Liquidity

CET1 Ratio 14.25%
Tier 1 Capital 14.25%
Total Capital Ratio 15.50%
Leverage Ratio 10.61%
Loan-to-Deposit 77.93%

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