NORTHEAST GEORGIA BANK

LAVONIA, GA | Medium | Est. Jan. 1, 1934, midnight | FDIC #15771 | RSSD #888833 | FDIC
Latest Report: 2025-12-31

NORTHEAST GEORGIA BANK is amn medium FDIC-insured commercial bank headquartered in LAVONIA, GA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $652M and total deposits of $557M. Profitability stands at 3.20% ROA and 24.76% ROE, with a net interest margin of 4.82%. The bank's CET1 capital ratio is 13.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.03%. FDIC Certificate #15771.

Assets

$652M

Deposits

$557M

Loans

$324M

Equity

$87M

Profitability

Return on Assets (ROA) 3.20%
Return on Equity (ROE) 24.76%
Net Interest Margin (NIM) 4.82%
Yield on Assets 5.85%
Cost of Funds 1.09%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.03%
NPA Ratio 0.00%
ACL / Loans 1.56%

Capital & Liquidity

CET1 Ratio 13.31%
Tier 1 Capital 13.31%
Total Capital Ratio 13.98%
Leverage Ratio 14.18%
Loan-to-Deposit 58.15%

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