COMMUNITY BANKING COMPANY

FITZGERALD, GA | Small | Est. April 19, 1996, midnight | FDIC #34160 | RSSD #553038 | FDIC
Latest Report: 2025-12-31

COMMUNITY BANKING COMPANY is asn small FDIC-insured commercial bank headquartered in FITZGERALD, GA, established in April 19, 1996, midnight. As of 2025-12-31, the bank reported total assets of $302M and total deposits of $267M. Profitability stands at 1.45% ROA and 12.55% ROE, with a net interest margin of 4.31%. The bank's CET1 capital ratio is 10.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.73% and a Texas Ratio of 3.21%. FDIC Certificate #34160.

Assets

$302M

Deposits

$267M

Loans

$163M

Equity

$33M

Profitability

Return on Assets (ROA) 1.45%
Return on Equity (ROE) 12.55%
Net Interest Margin (NIM) 4.31%
Yield on Assets 5.90%
Cost of Funds 1.67%

Asset Quality

NPL Ratio 0.73%
Net Charge-Off Ratio 0.09%
Texas Ratio 3.21%
NPA Ratio 0.39%
ACL / Loans 2.24%

Capital & Liquidity

CET1 Ratio 10.04%
Tier 1 Capital 10.04%
Total Capital Ratio 10.54%
Leverage Ratio 10.98%
Loan-to-Deposit 60.80%

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