Bank of Dawson
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Data as of · sourced from FFIEC call reports. How we update
Bank of Dawson is an FDIC-insured commercial bank headquartered in Dawson, GA, established in 1911 (FDIC certificate 876), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $159.9M, down 2.9% from Q2 2025, the 98th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 25.77% 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
- 876
- Headquarters
- Dawson, GA
- Established
- 1911
- Total assets, Q2 2026
- $159.9M
- Assets vs Q2 2025
- -2.9%
- CET1 ratio, Q2 2026
- 25.77%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061207651
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Dawson call report
- Holding company
- DAWSON BANCSHARES, INC.
- Asset rank in state
- 98th of 121 in Georgia
Bank of Dawson carries far more capital than most banks of its size. Its balance sheet stood at $160 million at June 30, 2026, down 2.9% from a year earlier; it is based in Dawson, Georgia. It funds 18.15% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also lost 4.6% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.22% of loans from 3.23%. Its $22 million commercial and industrial book is improving, with 3.25% past due or on nonaccrual, down from 12.59% a year earlier. One more trend to watch: net income for the quarter slipped 28% from a year earlier, to $750,000.
As of June 30, 2026, Bank of Dawson reported a CET1 capital ratio of 25.77%, a return on assets of 1.85%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 0.81%. The figures come from its call report filed with the FFIEC.
Bank of Dawson ranks as the 98th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 12.1% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 25.8% of total loans, ahead of commercial and industrial loans at 21.4%. Its one office in the FDIC Summary of Deposits is in Dawson, GA. By the capital ratios in its Q2 2026 call report, Bank of Dawson meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 209 N Main St, Dawson, GA 39842
- County
- Terrell
- Metro Area
- Albany, GA
- 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 1, 1911
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $132.0M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $33K
- Average total assets
- $161.8M
- Average total loans
- $97.4M
- Average interest-bearing deposits
- $105.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 876
- Fed RSSD
- 193537
- Website
- www.bankofdawson.com →
- Parent Holding Company
- DAWSON BANCSHARES, INC. (RSSD 1085536)
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
From Q3 2023 to Q2 2026, Bank of Dawson's total assets ranged from $141.4M (Q3 2023) to $164.7M (Q2 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
$159.9M total assets against $164.7M; $133.8M total liabilities against $140.2M.
$99.8M net loans and leases against $99.4M; $132.0M total deposits against $138.3M.
$32.0M securities against $32.6M; $20.1M cash and balances due against $25.4M.
$2.3M total interest income against $2.6M; $680K total interest expense against $810K.
$1.6M net interest income against $1.8M.
$225K total noninterest income against $271K; $1.0M total noninterest expense against $926K.
$75K provision for credit losses against $75K.
$750K net income against $1.0M.
1.85% return on assets against 2.63%; 4.27% net interest margin against 4.70%.
25.77% CET1 capital ratio against 24.44%; 18.15% tier 1 leverage ratio against 17.94%.
Inside the full Bank of Dawson terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Dawson rankings
Its closest position to the top of a national ranking is 139 of 2,134, for CET1 ratio; its furthest is 2,792 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.47% (Q4 2025) to 2.63% (Q2 2025) and its net interest margin ran from 3.85% (Q4 2024) to 4.78% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.77% | 1.85% | 0.22% | 0.81% | 4.27% |
| Q1 2026 | 26.97% | 2.54% | 1.01% | 4.04% | 4.78% |
| Q4 2025 | 24.97% | 0.47% | 3.21% | 12.03% | 4.11% |
| Q3 2025 | 25.43% | 1.71% | 3.12% | 12.58% | 4.22% |
| Q2 2025 | 24.44% | 2.63% | 3.23% | 13.32% | 4.70% |
| Q1 2025 | 23.95% | 1.76% | 3.75% | 16.05% | 4.09% |
| Q4 2024 | 24.16% | 0.77% | 3.80% | 15.97% | 3.85% |
| Q3 2024 | 23.92% | 1.69% | 3.33% | 14.13% | 4.12% |
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 Dawson (main office) | Dawson , GA | 39842 | $132.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 136 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 57 applications, 51 loans originated, $5.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.0M approved, $2.0M average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Dawson
What are Bank of Dawson's total assets?
As of the Q2 2026 filing, Bank of Dawson reported total assets of $159.9 million in its FFIEC call report.
Where is Bank of Dawson headquartered?
It is headquartered in Dawson, GA, United States.
When was Bank of Dawson founded?
It was established in 1911, per the FDIC institution directory.
Is Bank of Dawson FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #876). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Dawson?
Bank of Dawson's primary federal regulator is the FDIC.
What is Bank of Dawson's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.77% 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 Dawson 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 Dawson's Texas Ratio?
Its Texas Ratio is 0.81% 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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