The Bank of Edison
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Edison is an FDIC-insured commercial bank headquartered in Edison, GA, established in 1904 (FDIC certificate 5686), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $83.9M, up 4.3% from Q2 2025, the 115th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 14.27% 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
- 5686
- Headquarters
- Edison, GA
- Established
- 1904
- Total assets, Q2 2026
- $83.9M
- Assets vs Q2 2025
- +4.3%
- CET1 ratio, Q2 2026
- 14.27%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061204382
- Latest call report
- Q2 2026, FFIEC 041 · The Bank of Edison call report
- Holding company
- BOE BANCSHARES, INC.
- Asset rank in state
- 115th of 121 in Georgia
The Bank of Edison is one of the more profitable banks of its size. Its balance sheet stood at $84 million at June 30, 2026, up 4.3% from a year earlier; it is based in Edison, Georgia. It earns about $2.33 a year on every $100 of assets, about double the median of $1.04 for the 533 banks with less than $100 million in assets. On the other hand, it funds 9.08% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 12.81%).
Earnings jumped: net income for the quarter was $493,000, 138% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.6 million equal 34% of Tier 1 capital, down from 44% a year earlier. Credit is the area to watch: it carries problem assets equal to 15.5% of the capital and reserves that would absorb them, 8.0 times the median of 1.9% for banks its size.
As of June 30, 2026, The Bank of Edison reported a CET1 capital ratio of 14.27%, a return on assets of 2.33%, a nonperforming-loan ratio of 1.79% and a Texas ratio of 15.50%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Edison is the 115th largest of the 121 banks headquartered in Georgia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.1% to $83.9M, loans rose 1.2% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by agricultural production loans, at 28.6% of total loans, followed by 1-4 family residential loans at 22.8%. Its one office in the FDIC Summary of Deposits is in Edison, GA. By the capital ratios in its Q2 2026 call report, The Bank of Edison meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 476 Turner St, Edison, GA 39846
- County
- Calhoun
- 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 041
- Established
- October 1, 1904
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $78.6M
- Allowance for credit losses
- $738K
- Net charge-offs (YTD)
- $21K
- Average total assets
- $84.5M
- Average total loans
- $49.0M
- Average interest-bearing deposits
- $57.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5686
- Fed RSSD
- 610539
- Website
- www.bankofedison.com →
- Parent Holding Company
- BOE BANCSHARES, INC. (RSSD 1086140)
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, The Bank of Edison's total assets ranged from $74.7M (Q4 2023) to $88.4M (Q3 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$83.9M total assets against $80.5M; $78.9M total liabilities against $76.4M.
$49.6M net loans and leases against $46.6M; $78.6M total deposits against $76.1M.
$24.5M securities against $26.0M; $7.7M cash and balances due against $5.6M.
$1.3M total interest income against $1.3M; $406K total interest expense against $417K.
$871K net interest income against $854K.
$637K total noninterest income against $236K; $959K total noninterest expense against $837K.
$56K provision for credit losses against $46K.
$493K net income against $207K.
2.33% return on assets against 1.03%; 4.16% net interest margin against 4.30%.
14.27% CET1 capital ratio against 13.62%; 9.08% tier 1 leverage ratio against 9.04%.
Inside the full The Bank of Edison terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.55% (Q4 2024) to 2.33% (Q2 2026) and its net interest margin ran from 3.92% (Q4 2024) to 4.30% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.27% | 2.33% | 1.79% | 15.50% | 4.16% |
| Q1 2026 | 13.61% | 1.26% | 1.71% | 15.69% | 4.22% |
| Q4 2025 | 14.59% | -0.14% | 1.74% | 15.63% | 4.27% |
| Q3 2025 | 13.86% | 0.85% | 2.09% | 18.63% | 4.23% |
| Q2 2025 | 13.62% | 1.03% | 1.59% | 16.04% | 4.30% |
| Q1 2025 | 14.72% | 1.86% | 0.19% | 1.78% | 3.95% |
| Q4 2024 | 14.74% | -0.55% | 0.60% | 6.61% | 3.92% |
| Q3 2024 | 14.08% | 1.76% | 0.50% | 4.78% | 4.17% |
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 |
|---|---|---|---|
| The Bank of Edison | Edison , GA | 39846 | $78.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 154 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $11.4M approved, $1.9M 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, 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 The Bank of Edison
What are The Bank of Edison's total assets?
As of the Q2 2026 filing, The Bank of Edison reported total assets of $83.9 million in its FFIEC call report.
Where is The Bank of Edison headquartered?
It is headquartered in Edison, GA, United States.
When was The Bank of Edison founded?
It was established in 1904, per the FDIC institution directory.
Is The Bank of Edison FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Edison?
The Bank of Edison's primary federal regulator is the FDIC.
What is The Bank of Edison's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Edison 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 The Bank of Edison's Texas Ratio?
Its Texas Ratio is 15.50% 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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