BANK OF LUMBER CITY

LUMBER CITY, GA | Micro | Est. July 2, 1945, midnight | FDIC #16281 | RSSD #959630 | FDIC
Latest Report: 2025-12-31

BANK OF LUMBER CITY is amn micro FDIC-insured commercial bank headquartered in LUMBER CITY, GA, established in July 2, 1945, midnight. As of 2025-12-31, the bank reported total assets of $25M and total deposits of $22M. Profitability stands at -1.79% ROA and -15.12% ROE, with a net interest margin of 4.43%. The bank's CET1 capital ratio is 7.77%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #16281.

Assets

$25M

Deposits

$22M

Loans

$9M

Equity

$3M

Profitability

Return on Assets (ROA) -1.79%
Return on Equity (ROE) -15.12%
Net Interest Margin (NIM) 4.43%
Yield on Assets 5.49%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 2.04%

Capital & Liquidity

CET1 Ratio 7.77%
Tier 1 Capital 7.77%
Total Capital Ratio 8.15%
Leverage Ratio 9.29%
Loan-to-Deposit 41.90%

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