TANDEM BANK

TUCKER, GA | Small | Est. Sept. 23, 2019, midnight | FDIC #59178 | RSSD #5401273 | FDIC
Latest Report: 2025-12-31

TANDEM BANK is asn small FDIC-insured commercial bank headquartered in TUCKER, GA, established in Sept. 23, 2019, midnight. As of 2025-12-31, the bank reported total assets of $304M and total deposits of $239M. Profitability stands at 1.28% ROA and 10.36% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 15.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 1.41%. FDIC Certificate #59178.

Assets

$304M

Deposits

$239M

Loans

$229M

Equity

$37M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 10.36%
Net Interest Margin (NIM) 4.37%
Yield on Assets 7.00%
Cost of Funds 2.79%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio -0.11%
Texas Ratio 1.41%
NPA Ratio 0.18%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 15.28%
Tier 1 Capital 15.28%
Total Capital Ratio 16.47%
Leverage Ratio 12.55%
Loan-to-Deposit 95.69%

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