Bank of Hancock County
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Data as of · sourced from FFIEC call reports. How we update
Bank of Hancock County is an FDIC-insured commercial bank headquartered in Sparta, GA, established in 1904 (FDIC certificate 10057), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $85.2M, up 2.8% from Q2 2025, the 114th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 20.15% 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
- 10057
- Headquarters
- Sparta, GA
- Established
- 1904
- Total assets, Q2 2026
- $85.2M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 20.15%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061107146
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Hancock County call report
- Asset rank in state
- 114th of 121 in Georgia
Bank of Hancock County, based in Sparta, Georgia, reported $85 million in assets at June 30, 2026, up 2.8% from a year earlier. It shrank its loan book 9.2% over the year, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 2.6%). It also funds 20.15% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 13.06%).
Loans and deposits moved in opposite directions: over the year loans fell 9.2% and deposits rose 0.8%. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.1 million equal 29% of Tier 1 capital, down from 40% a year earlier. Profitability lags: it returns 3.5% a year on shareholders' equity, about a third the median of 8.6% for banks its size.
As of June 30, 2026, Bank of Hancock County reported a return on assets of 0.55%, a nonperforming-loan ratio of 0.82% and a Texas ratio of 1.00%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Bank of Hancock County is the 114th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $85.2M, loans rose 0.3% and deposits rose 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.9% of total loans, followed by other consumer loans at 23.2%. Its one office in the FDIC Summary of Deposits is in Sparta, GA. Judged on its Q2 2026 call report, Bank of Hancock County meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 12855 Broad St, Sparta, GA 31087
- County
- Hancock
- 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
- September 1, 1904
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $71.4M
- Allowance for credit losses
- $683K
- Net charge-offs (YTD)
- $13K
- Average total assets
- $86.2M
- Average total loans
- $17.2M
- Average interest-bearing deposits
- $50.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10057
- Fed RSSD
- 37
- Website
- www.bankofhancock.com →
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 Hancock County reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Hancock County's total assets ran between $77.9M (Q1 2024) and $86.1M (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
$85.2M total assets against $82.9M; $71.6M total liabilities against $71.0M.
$16.8M net loans and leases against $18.4M; $71.4M total deposits against $70.8M.
$50.5M securities against $45.6M; $15.3M cash and balances due against $15.8M.
$923K total interest income against $922K; $213K total interest expense against $219K.
$710K net interest income against $703K.
$80K total noninterest income against $81K; $671K total noninterest expense against $689K.
$0 provision for credit losses against $0.
$119K net income against $95K.
0.55% return on assets against 0.44%; 3.41% net interest margin against 3.38%.
20.15% tier 1 leverage ratio against 20.24%.
Inside the full Bank of Hancock County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.23% (Q3 2025) to 1.18% (Q4 2025) and its net interest margin ran from 3.20% (Q1 2026) to 4.04% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.15% | 0.55% | 0.82% | 1.00% | 3.41% |
| Q1 2026 | 19.95% | 0.35% | 1.07% | 1.32% | 3.20% |
| Q4 2025 | 20.01% | 1.18% | 0.96% | 1.31% | 4.04% |
| Q3 2025 | 20.95% | 0.23% | 0.63% | 0.91% | 3.27% |
| Q2 2025 | 20.24% | 0.44% | 0.54% | 0.82% | 3.38% |
| Q1 2025 | 18.94% | 0.42% | 0.44% | 0.66% | 3.47% |
| Q4 2024 | 20.94% | 1.06% | 0.62% | 0.89% | 3.79% |
| Q3 2024 | 21.82% | 0.45% | 0.35% | 0.57% | 3.38% |
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 Hancock County (main office) | Sparta , GA | 31087 | $71.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 160 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Hancock County
What are Bank of Hancock County's total assets?
As of the Q2 2026 filing, Bank of Hancock County reported total assets of $85.2 million in its FFIEC call report.
Where is Bank of Hancock County headquartered?
It is headquartered in Sparta, GA, United States.
When was Bank of Hancock County founded?
It was established in 1904, per the FDIC institution directory.
Is Bank of Hancock County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10057). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Hancock County?
Bank of Hancock County's primary federal regulator is the FDIC.
How many branches does Bank of Hancock County 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 Hancock County's Texas Ratio?
Its Texas Ratio is 1.00% 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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