BANK OF EDISON, THE

EDISON, GA | Micro | Est. Oct. 1, 1904, midnight | FDIC #5686 | RSSD #610539 | FDIC
Latest Report: 2025-12-31

BANK OF EDISON, THE is amn micro FDIC-insured commercial bank headquartered in EDISON, GA, established in Oct. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $85M and total deposits of $80M. Profitability stands at -0.14% ROA and -2.63% ROE, with a net interest margin of 4.59%. The bank's CET1 capital ratio is 14.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.74% and a Texas Ratio of 15.63%. FDIC Certificate #5686.

Assets

$85M

Deposits

$80M

Loans

$48M

Equity

$5M

Profitability

Return on Assets (ROA) -0.14%
Return on Equity (ROE) -2.63%
Net Interest Margin (NIM) 4.59%
Yield on Assets 6.96%
Cost of Funds 3.51%

Asset Quality

NPL Ratio 1.74%
Net Charge-Off Ratio 0.18%
Texas Ratio 15.63%
NPA Ratio 0.98%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 14.59%
Tier 1 Capital 14.59%
Total Capital Ratio 15.84%
Leverage Ratio 8.24%
Loan-to-Deposit 59.78%

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