Bank of Camilla
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Data as of · sourced from FFIEC call reports. How we update
Bank of Camilla is an FDIC-insured commercial bank headquartered in Camilla, GA, established in 1890 (FDIC certificate 17190), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $188.1M, up 3.3% from Q2 2025, the 92nd largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 20.79% 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
- 17190
- Headquarters
- Camilla, GA
- Established
- 1890
- Total assets, Q2 2026
- $188.1M
- Assets vs Q2 2025
- +3.3%
- Tier 1 leverage ratio, Q2 2026
- 20.79%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061202944
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Camilla call report
- Holding company
- CAMILLA BANCSHARES, INC.
- Asset rank in state
- 92nd of 121 in Georgia
Bank of Camilla carries far more capital than most banks of its size. The Camilla, Georgia bank had $188 million in assets at June 30, 2026, up 3.3% from a year earlier. It funds 20.79% of its assets with Tier 1 capital, about double the median of 10.99% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it returns 6.7% a year on shareholders' equity, about half the median of 12.5% for banks its size.
Earnings jumped: net income for the quarter was $659,000, 34% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.33% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Bank of Camilla reported a return on assets of 1.36%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 1.17%. The figures come from its call report filed with the FFIEC.
Bank of Camilla ranks as the 92nd largest of the 121 banks based in Georgia, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.7% to $188.1M, loans rose 6.5% and deposits fell 4.2%. 1-4 family residential loans made up 25.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 16.1%. The FDIC Summary of Deposits lists a single office for it, in Camilla, GA. On its Q2 2026 call report, Bank of Camilla meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 50 E Broad St, Camilla, GA 31730
- County
- Mitchell
- 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
- January 1, 1890
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $147.6M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $193.9M
- Average total loans
- $126.3M
- Average interest-bearing deposits
- $117.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 6, 1953
- FDIC Cert
- 17190
- Fed RSSD
- 124830
- Website
- www.bankofcamilla.net →
- Parent Holding Company
- CAMILLA BANCSHARES, INC. (RSSD 2087939)
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, Bank of Camilla reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Camilla's total assets ranged from $158.6M (Q3 2023) to $195.7M (Q4 2025), 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
$188.1M total assets against $182.2M; $148.5M total liabilities against $143.8M.
$127.1M net loans and leases against $121.1M; $147.6M total deposits against $142.0M.
$39.7M securities against $43.1M; $12.5M cash and balances due against $9.7M.
$2.8M total interest income against $2.6M; $1.0M total interest expense against $1.0M.
$1.7M net interest income against $1.6M.
$200K total noninterest income against $108K; $1.1M total noninterest expense against $1.1M.
-$5K provision for credit losses against $6K.
$659K net income against $492K.
1.36% return on assets against 1.10%; 3.83% net interest margin against 3.77%.
20.79% tier 1 leverage ratio against 21.82%.
Inside the full Bank of Camilla terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Camilla rankings
Its closest position to the top of a national ranking is 1,435 of 3,606, for efficiency ratio; its furthest is 3,046 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.00% (Q4 2025) to 1.66% (Q1 2026) and its net interest margin ran from 3.29% (Q4 2024) to 3.99% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.79% | 1.36% | 0.37% | 1.17% | 3.83% |
| Q1 2026 | 19.97% | 1.66% | 0.38% | 1.13% | 3.47% |
| Q4 2025 | 21.45% | 1.00% | 0.41% | 1.19% | 3.29% |
| Q3 2025 | 21.96% | 1.06% | 0.43% | 1.28% | 3.65% |
| Q2 2025 | 21.82% | 1.10% | 0.42% | 1.29% | 3.77% |
| Q1 2025 | 20.43% | 1.05% | 0.45% | 1.29% | 3.63% |
| Q4 2024 | 21.84% | 1.38% | 0.48% | 1.36% | 3.29% |
| Q3 2024 | 22.30% | 1.11% | 0.50% | 1.42% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Bank of Camilla (main office) | Camilla , GA | 31730 | $147.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 129 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $5.0M approved, $5.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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 Camilla
What are Bank of Camilla's total assets?
As of the Q2 2026 filing, Bank of Camilla reported total assets of $188.1 million in its FFIEC call report.
Where is Bank of Camilla headquartered?
It is headquartered in Camilla, GA, United States.
When was Bank of Camilla founded?
It was established in 1890, per the FDIC institution directory.
Is Bank of Camilla FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17190). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Camilla?
Bank of Camilla's primary federal regulator is the FDIC.
How many branches does Bank of Camilla operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Camilla's Texas Ratio?
Its Texas Ratio is 1.17% 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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