Banks RABUN COUNTY BANK

RABUN COUNTY BANK

CLAYTON, GA Small Est. Oct. 10, 1975, midnight FDIC #22138 RSSD #514936 FDIC
Latest · 2025-12-31

RABUN COUNTY BANK is an FDIC-insured commercial bank headquartered in CLAYTON, GA, established in Oct. 10, 1975, midnight. As of 2025-12-31, the bank reported total assets of $366M and total deposits of $327M. Profitability stands at 1.50% ROA and 14.79% ROE, with a net interest margin of 4.33%. CET1 capital ratio: 10.07%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 1.49%.

Assets
$366M
Deposits
$327M
Loans
$215M
Equity
$37M

Profitability

Return on Assets (ROA)1.50%
Return on Equity (ROE)14.79%
Net Interest Margin4.33%
Yield on Assets6.18%
Cost of Funds1.90%

Asset Quality

NPL Ratio0.09%
Net Charge-Off Ratio0.00%
Texas Ratio1.49%
NPA Ratio0.16%
ACL / Loans1.43%

Capital & Liquidity

CET1 Ratio10.07%
Tier 1 Capital10.07%
Total Capital Ratio10.57%
Leverage Ratio10.22%
Loan-to-Deposit65.81%

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