COMMUNITY BANK & TRUST - WEST GEORGIA

LAGRANGE, GA | Small | Est. Dec. 15, 1984, midnight | FDIC #25796 | RSSD #761833 | FDIC
Latest Report: 2025-12-31

COMMUNITY BANK & TRUST - WEST GEORGIA is asn small FDIC-insured commercial bank headquartered in LAGRANGE, GA, established in Dec. 15, 1984, midnight. As of 2025-12-31, the bank reported total assets of $288M and total deposits of $268M. Profitability stands at -0.72% ROA and -11.86% ROE, with a net interest margin of 4.71%. The bank's CET1 capital ratio is 8.41%. Asset quality metrics show a non-performing loan ratio of 8.06% and a Texas Ratio of 77.34%. FDIC Certificate #25796.

Assets

$288M

Deposits

$268M

Loans

$191M

Equity

$17M

Profitability

Return on Assets (ROA) -0.72%
Return on Equity (ROE) -11.86%
Net Interest Margin (NIM) 4.71%
Yield on Assets 8.13%
Cost of Funds 3.40%

Asset Quality

NPL Ratio 8.06%
Net Charge-Off Ratio 5.29%
Texas Ratio 77.34%
NPA Ratio 5.83%
ACL / Loans 2.46%

Capital & Liquidity

CET1 Ratio 8.41%
Tier 1 Capital 8.41%
Total Capital Ratio 9.68%
Leverage Ratio 6.70%
Loan-to-Deposit 71.17%

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