Bank of Alapaha
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Data as of · sourced from FFIEC call reports. How we update
Bank of Alapaha is an FDIC-insured commercial bank headquartered in Alapaha, GA, established in 1905 (FDIC certificate 155), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $251.0M, up 5.7% from Q2 2025, the 78th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 19.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 155
- Headquarters
- Alapaha, GA
- Established
- 1905
- Total assets, Q2 2026
- $251.0M
- Assets vs Q2 2025
- +5.7%
- CET1 ratio, Q2 2026
- 19.50%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 061205271
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Alapaha call report
- Holding company
- ALAPAHA HOLDING COMPANY
- Asset rank in state
- 78th of 121 in Georgia
Bank of Alapaha, based in Alapaha, Georgia, reported $251 million in assets at June 30, 2026, up 5.7% from a year earlier. It holds commercial real estate loans equal to only 37% of its capital, about a third the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Its $31 million commercial and industrial book is improving, with 1.68% past due or on nonaccrual, down from 6.28% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.4 million equal 33% of Tier 1 capital, down from 41% a year earlier. Profitability lags: it earns about $0.65 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Bank of Alapaha reported a CET1 capital ratio of 19.50%, a return on assets of 0.65%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 1.94%. The figures come from its call report filed with the FFIEC.
Bank of Alapaha ranks as the 78th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $251.0M, loans rose 5.5% and deposits fell 0.1%. 1-4 family residential loans made up 42.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 24.4%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in GA; its Nashville office books 44% of its branch deposits. Judged on its Q2 2026 call report, Bank of Alapaha meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 245 Ne Railroad St, Alapaha, GA 31622
- County
- Berrien
- 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
- March 25, 1905
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $230.0M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- -$68K
- Average total assets
- $250.9M
- Average total loans
- $122.1M
- Average interest-bearing deposits
- $165.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 155
- Fed RSSD
- 986935
- Website
- www.bankofalapaha.com →
- Parent Holding Company
- ALAPAHA HOLDING COMPANY (RSSD 3194076)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Alapaha's total assets ran between $218.4M (Q3 2023) and $251.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$251.0M total assets against $237.5M; $231.6M total liabilities against $220.5M.
$123.7M net loans and leases against $119.8M; $230.0M total deposits against $218.7M.
$61.1M securities against $62.8M; $56.8M cash and balances due against $45.2M.
$2.9M total interest income against $2.8M; $760K total interest expense against $793K.
$2.1M net interest income against $2.0M.
$195K total noninterest income against $194K; $1.8M total noninterest expense against $1.6M.
$4K provision for credit losses against $0.
$407K net income against $483K.
0.65% return on assets against 0.81%; 3.39% net interest margin against 3.37%.
19.50% CET1 capital ratio against 18.78%; 10.23% tier 1 leverage ratio against 10.24%.
Inside the full Bank of Alapaha terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Alapaha rankings
Its closest position to the top of a national ranking is 369 of 2,134, for CET1 ratio; its furthest is 3,143 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.48% (Q4 2024) to 0.85% (Q3 2025) and its net interest margin ran from 3.07% (Q3 2024) to 3.42% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.50% | 0.65% | 0.34% | 1.94% | 3.39% |
| Q1 2026 | 19.94% | 0.66% | 0.39% | 2.10% | 3.27% |
| Q4 2025 | 19.43% | 0.63% | 0.37% | 2.07% | 3.26% |
| Q3 2025 | 19.47% | 0.85% | 0.06% | 2.19% | 3.42% |
| Q2 2025 | 18.78% | 0.81% | 0.41% | 2.54% | 3.37% |
| Q1 2025 | 18.91% | 0.64% | 0.75% | 4.46% | 3.24% |
| Q4 2024 | 18.32% | 0.48% | 0.15% | 1.11% | 3.08% |
| Q3 2024 | 18.52% | 0.54% | 0.47% | 2.99% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Nashville Branch | Nashville , GA | 31639 | $101.3M |
| Cook Community Bank Branch | Adel , GA | 31620 | $73.9M |
| Bank of Alapaha (main office) | Alapaha , GA | 31622 | $45.4M |
| Enigma Branch | Enigma , GA | 31749 | $9.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 104 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $172K approved, $172K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Bank of Alapaha
What are Bank of Alapaha's total assets?
As of the Q2 2026 filing, Bank of Alapaha reported total assets of $251.0 million in its FFIEC call report.
Where is Bank of Alapaha headquartered?
It is headquartered in Alapaha, GA, United States.
When was Bank of Alapaha founded?
It was established in 1905, per the FDIC institution directory.
Is Bank of Alapaha FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #155). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Alapaha?
Bank of Alapaha's primary federal regulator is the FDIC.
What is Bank of Alapaha's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Alapaha operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Alapaha's Texas Ratio?
Its Texas Ratio is 1.94% 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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