BanksGREAT OAKS BANK

GREAT OAKS BANK

RICHMOND HILL, GASmallEst. Jan. 1, 1934, midnightFDIC #16780RSSD #364131FDIC
Latest · 2025-12-31

GREAT OAKS BANK is an 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%. CET1 capital ratio: 14.25%, well above regulatory minimums. NPL ratio: 0.01% · Texas Ratio: 0.37%. Operates 6 domestic branches.

Assets
$399M
Deposits
$355M
Loans
$276M
Equity
$40M

Profitability

Return on Assets (ROA)1.55%
Return on Equity (ROE)17.00%
Net Interest Margin4.81%
Yield on Assets6.55%
Cost of Funds1.79%

Asset Quality

NPL Ratio0.01%
Net Charge-Off Ratio-0.01%
Texas Ratio0.37%
NPA Ratio0.04%
ACL / Loans1.54%

Capital & Liquidity

CET1 Ratio14.25%
Tier 1 Capital14.25%
Total Capital Ratio15.50%
Leverage Ratio10.61%
Loan-to-Deposit77.93%

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