Bank of Dudley
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Data as of · sourced from FFIEC call reports. How we update
Bank of Dudley is an FDIC-insured commercial bank headquartered in Dudley, GA, established in 1905 (FDIC certificate 9068), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $537.9M, up 17.1% from Q2 2025, the 35th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.62% 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
- 9068
- Headquarters
- Dudley, GA
- Established
- 1905
- Total assets, Q2 2026
- $537.9M
- Assets vs Q2 2025
- +17.1%
- Tier 1 leverage ratio, Q2 2026
- 9.62%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 061205938
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Dudley call report
- Holding company
- LAURENS BANCSHARES, INC.
- Asset rank in state
- 35th of 121 in Georgia
Bank of Dudley, based in Dudley, Georgia, reported $538 million in assets at June 30, 2026, up 17.1% from a year earlier. It grew deposits 17.9% over the year, 4.4 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
Net income for the quarter slipped 19% from a year earlier, to $1.2 million. Where it has less room is capital: it funds 9.62% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Bank of Dudley reported a return on assets of 0.91%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.84%. The figures come from its call report filed with the FFIEC.
Bank of Dudley ranks as the 35th largest of the 121 banks based in Georgia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $537.9M, loans rose 6.4% and deposits rose 2.4%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 21.6% of total loans, followed by 1-4 family residential loans at 20.1%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in GA; its Dublin 2 offices book 55% of its branch deposits. On its Q2 2026 call report, Bank of Dudley meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1448 2nd St, Dudley, GA 31022
- County
- Laurens
- Metro Area
- Dublin, 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
- November 1, 1905
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 93
- Domestic deposits
- $486.8M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $526.6M
- Average total loans
- $361.4M
- Average interest-bearing deposits
- $373.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9068
- Fed RSSD
- 546535
- Website
- http://www.bankofdudley.com →
- Parent Holding Company
- LAURENS BANCSHARES, INC. (RSSD 2631444)
- Ultimate Parent
- HOGAN INVESTMENTS I, INC. (RSSD 2631435)
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 Dudley reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Dudley's total assets moved between a low of $354.2M (Q3 2023) and a high of $537.9M (Q2 2026) from Q3 2023 to 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
$537.9M total assets against $459.4M; $489.0M total liabilities against $415.2M.
$364.4M net loans and leases against $310.0M; $486.8M total deposits against $412.8M.
$46.3M securities against $38.3M; $101.7M cash and balances due against $87.9M.
$7.9M total interest income against $6.9M; $2.2M total interest expense against $1.8M.
$5.6M net interest income against $5.1M.
$641K total noninterest income against $617K; $4.3M total noninterest expense against $3.5M.
$375K provision for credit losses against $280K.
$1.2M net income against $1.5M.
0.91% return on assets against 1.31%; 4.50% net interest margin against 4.72%.
9.62% tier 1 leverage ratio against 10.15%.
Inside the full Bank of Dudley terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Dudley rankings
Its closest position to the top of a national ranking is 1,691 of 4,196, for total assets; its furthest is 2,765 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.91% (Q2 2026) to 1.31% (Q2 2025) and its net interest margin ran from 4.19% (Q3 2024) to 4.72% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.62% | 0.91% | 0.12% | 0.84% | 4.50% |
| Q1 2026 | 9.66% | 1.05% | 0.13% | 0.86% | 4.28% |
| Q4 2025 | 9.67% | 1.18% | 0.13% | 0.88% | 4.68% |
| Q3 2025 | 10.11% | 1.29% | 1.30% | 8.44% | 4.48% |
| Q2 2025 | 10.15% | 1.31% | 0.06% | 0.39% | 4.72% |
| Q1 2025 | 10.00% | 1.31% | 0.07% | 0.44% | 4.34% |
| Q4 2024 | 10.06% | 1.23% | 0.07% | 0.46% | 4.51% |
| Q3 2024 | 10.22% | 0.92% | 0.10% | 0.68% | 4.19% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Dublin Branch | Dublin , GA | 31021 | $205.1M |
| Forsyth Branch | Forsyth , GA | 31029 | $62.0M |
| Veterans Boulevard Branch | Dublin , GA | 31021 | $60.5M |
| Bank of Dudley (main office) | Dudley , GA | 31022 | $52.8M |
| Savannah Avenue Branch | East Dublin , GA | 31027 | $52.2M |
| Jeffersonville Branch | Jeffersonville , GA | 31044 | $27.9M |
| Perry Branch | Perry , GA | 31069 | $22.2M |
| Locust Grove Branch | Locust Grove , GA | 30248 | $4.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in GA, rank 53 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 125 applications, 115 loans originated, $22.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.9M approved, $372K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Dudley
What are Bank of Dudley's total assets?
As of the Q2 2026 filing, Bank of Dudley reported total assets of $537.9 million in its FFIEC call report.
Where is Bank of Dudley headquartered?
It is headquartered in Dudley, GA, United States.
When was Bank of Dudley founded?
It was established in 1905, per the FDIC institution directory.
Is Bank of Dudley FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Dudley?
Bank of Dudley's primary federal regulator is the FDIC.
How many branches does Bank of Dudley operate?
It operates 8 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 Dudley's Texas Ratio?
Its Texas Ratio is 0.84% 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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