BANK OF ALAPAHA

ALAPAHA, GA | Small | Est. March 25, 1905, midnight | FDIC #155 | RSSD #986935 | FDIC
Latest Report: 2025-12-31

BANK OF ALAPAHA is asn small FDIC-insured commercial bank headquartered in ALAPAHA, GA, established in March 25, 1905, midnight. As of 2025-12-31, the bank reported total assets of $250M and total deposits of $230M. Profitability stands at 0.63% ROA and 8.20% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 19.43%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 2.07%. FDIC Certificate #155.

Assets

$250M

Deposits

$230M

Loans

$122M

Equity

$19M

Profitability

Return on Assets (ROA) 0.63%
Return on Equity (ROE) 8.20%
Net Interest Margin (NIM) 3.51%
Yield on Assets 4.90%
Cost of Funds 1.39%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio 0.02%
Texas Ratio 2.07%
NPA Ratio 0.18%
ACL / Loans 2.38%

Capital & Liquidity

CET1 Ratio 19.43%
Tier 1 Capital 19.43%
Total Capital Ratio 20.69%
Leverage Ratio 10.06%
Loan-to-Deposit 53.27%

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