Apex Banking Company of Georgia
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Data as of · sourced from FFIEC call reports. How we update
Apex Banking Company of Georgia is an FDIC-insured commercial bank headquartered in Cleveland, GA, supervised by the FDIC, with $72.6M in total assets at Q2 2026, up 9.1% from Q2 2025, the 117th largest of 121 banks headquartered in Georgia. It was established in 1907 and holds FDIC certificate 10074. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.70% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10074
- Headquarters
- Cleveland, GA
- Established
- 1907
- Total assets, Q2 2026
- $72.6M
- Assets vs Q2 2025
- +9.1%
- Tier 1 leverage ratio, Q2 2026
- 9.70%
- Domestic offices
- 2 · Apex Banking Company of Georgia branches FDIC institution directory, current count
- Routing number
- 061107324
- Safety and soundness
- Is Apex Banking Company of Georgia safe?
- Latest call report
- Q2 2026, FFIEC 051 · Apex Banking Company of Georgia call report
- Asset rank in state
- 117th of 121 in Georgia
Apex Banking Company of Georgia leans heavily on commercial real estate. It reported $73 million in assets at June 30, 2026, up 9.1% from a year earlier. It holds commercial real estate loans worth 1.5 times its capital, 4.9 times the median of 30% for the 533 banks with less than $100 million in assets. It also grew its loan book 27.9% over the year, 10.8 times the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 27.9% and deposits rose 8.7%. Paper losses on its bond portfolio are shrinking: unrealized losses of $1.4 million equal 20% of Tier 1 capital, down from 27% a year earlier. Where it has less room is capital: it funds 9.70% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 12.81%).
As of June 30, 2026, Apex Banking Company of Georgia reported a return on assets of 0.59%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.23%. The figures come from its call report filed with the FFIEC.
Apex Banking Company of Georgia ranks as the 117th largest of the 121 banks based in Georgia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $72.6M, loans rose 6.2% and deposits fell 0.5%. 1-4 family residential loans made up 50.2% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 18.2%. The FDIC Summary of Deposits lists 2 offices for it, in Irwinton, GA and Cleveland, GA; its Irwinton office books 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, Apex Banking Company of Georgia meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 35 Jesse Mae Thurmond Conn, Cleveland, GA 30528
- County
- White
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 16, 1907
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $66.5M
- Allowance for credit losses
- $565K
- Net charge-offs (YTD)
- $0
- Average total assets
- $72.4M
- Average total loans
- $43.6M
- Average interest-bearing deposits
- $50.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10074
- Fed RSSD
- 102333
- Website
- www.apexga.bank →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Apex Banking Company of Georgia reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Apex Banking Company of Georgia's total assets ran between $51.0M (Q3 2023) and $76.6M (Q4 2025), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$72.6M total assets against $66.6M; $66.8M total liabilities against $61.4M.
$44.8M net loans and leases against $35.0M; $66.5M total deposits against $61.2M.
$17.0M securities against $18.4M; $5.8M cash and balances due against $10.4M.
$1.1M total interest income against $932K; $181K total interest expense against $169K.
$877K net interest income against $763K.
$89K total noninterest income against $48K; $809K total noninterest expense against $666K.
$22K provision for credit losses against $12K.
$107K net income against $99K.
0.59% return on assets against 0.60%; 4.98% net interest margin against 4.86%.
9.70% tier 1 leverage ratio against 10.18%.
Inside the full Apex Banking Company of Georgia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.00% (Q3 2024) to 0.70% (Q4 2025) and its net interest margin ran from 4.45% (Q4 2024) to 4.98% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.70% | 0.59% | 0.03% | 0.23% | 4.98% |
| Q1 2026 | 9.38% | 0.52% | 0.04% | 0.27% | 4.98% |
| Q4 2025 | 9.68% | 0.70% | 0.13% | 0.76% | 4.68% |
| Q3 2025 | 9.75% | 0.44% | 0.25% | 1.45% | 4.74% |
| Q2 2025 | 10.18% | 0.60% | 0.18% | 1.14% | 4.86% |
| Q1 2025 | 11.09% | 0.09% | 0.07% | 0.43% | 4.59% |
| Q4 2024 | 11.34% | 0.23% | 0.07% | 0.45% | 4.45% |
| Q3 2024 | 10.83% | 0.00% | 0.18% | 1.01% | 4.47% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Irwinton Branch | Irwinton , GA | 31042 | $45.7M |
| Apex Banking Company of Georgia (main office) | Cleveland , GA | 30528 | $20.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 161 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Apex Banking Company of Georgia
What are Apex Banking Company of Georgia's total assets?
As of the Q2 2026 filing, Apex Banking Company of Georgia reported total assets of $72.6 million in its FFIEC call report.
Where is Apex Banking Company of Georgia headquartered?
It is headquartered in Cleveland, GA, United States.
When was Apex Banking Company of Georgia founded?
It was established in 1907, per the FDIC institution directory.
Is Apex Banking Company of Georgia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Apex Banking Company of Georgia?
Apex Banking Company of Georgia's primary federal regulator is the FDIC.
How many branches does Apex Banking Company of Georgia operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Apex Banking Company of Georgia's Texas Ratio?
Its Texas Ratio is 0.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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