Banks COMMUNITY BANKING COMPANY

COMMUNITY BANKING COMPANY

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

COMMUNITY BANKING COMPANY is an 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%. CET1 capital ratio: 10.04%, well above regulatory minimums. NPL ratio: 0.73% · Texas Ratio: 3.21%.

Assets
$302M
Deposits
$267M
Loans
$163M
Equity
$33M

Profitability

Return on Assets (ROA)1.45%
Return on Equity (ROE)12.55%
Net Interest Margin4.31%
Yield on Assets5.90%
Cost of Funds1.67%

Asset Quality

NPL Ratio0.73%
Net Charge-Off Ratio0.09%
Texas Ratio3.21%
NPA Ratio0.39%
ACL / Loans2.24%

Capital & Liquidity

CET1 Ratio10.04%
Tier 1 Capital10.04%
Total Capital Ratio10.54%
Leverage Ratio10.98%
Loan-to-Deposit60.80%

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