PINELAND BANK

ALMA, GA | Medium | Est. Oct. 1, 1939, midnight | FDIC #15699 | RSSD #6039 | FDIC
Latest Report: 2025-12-31

PINELAND BANK is amn medium FDIC-insured commercial bank headquartered in ALMA, GA, established in Oct. 1, 1939, midnight. As of 2025-12-31, the bank reported total assets of $570M and total deposits of $509M. Profitability stands at 1.74% ROA and 17.93% ROE, with a net interest margin of 5.41%. The bank's CET1 capital ratio is 9.84%. Asset quality metrics show a non-performing loan ratio of 1.86% and a Texas Ratio of 11.95%. FDIC Certificate #15699.

Assets

$570M

Deposits

$509M

Loans

$405M

Equity

$56M

Profitability

Return on Assets (ROA) 1.74%
Return on Equity (ROE) 17.93%
Net Interest Margin (NIM) 5.41%
Yield on Assets 6.82%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 1.86%
Net Charge-Off Ratio 0.00%
Texas Ratio 11.95%
NPA Ratio 1.33%
ACL / Loans 1.76%

Capital & Liquidity

CET1 Ratio 9.84%
Tier 1 Capital 9.84%
Total Capital Ratio 10.33%
Leverage Ratio 9.75%
Loan-to-Deposit 79.61%

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