Asset Tier

Valdosta, GA

All FDIC-insured banks headquartered in the Valdosta, GA metropolitan area

Every FDIC-insured commercial bank with headquarters in the Valdosta, GA metro area, with the most recent quarterly call report data — total assets, deposits, capital ratios, asset quality, and profitability. The full MSA covered is: Valdosta, Ga.

Banks

Total Assets

$3.2B

Total Deposits

$2.8B

Avg ROA

1.37%

Median CET1

14.26%

Largest by Assets

FARMERS & MERCHANTS BANK$801M BARWICK BANKING COMPANY$779M GUARDIAN BANK$601M COMMERCIAL BANKING COMPANY$409M FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA$278M

Bank	HQ	Assets	ROA	CET1	NPL	Texas
FARMERS & MERCHANTS BANK	LAKELAND, GA	$801M	1.57%	—	1.74%	20.4%
BARWICK BANKING COMPANY	BARWICK, GA	$779M	0.82%	9.67%	0.16%	1.8%
GUARDIAN BANK	VALDOSTA, GA	$601M	1.55%	17.30%	1.52%	10.5%
COMMERCIAL BANKING COMPANY	VALDOSTA, GA	$409M	2.04%	14.26%	0.09%	0.7%
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA	VALDOSTA, GA	$278M	0.85%	—	1.91%	13.4%
CITIZENS COMMUNITY BANK	HAHIRA, GA	$218M	1.51%	13.40%	0.87%	8.2%
CITIZENS NATIONAL BANK OF QUITMAN, THE	QUITMAN, GA	$134M	1.51%	17.61%	0.36%	1.8%

Other asset tiers

Largest US Banks (≥ $100B in assets)Regional Banks ($10B–$100B in assets)Large Community Banks ($1B–$10B in assets)Midsize Community Banks ($500M–$1B in assets)Small Community Banks ($100M–$500M in assets)Micro Community Banks (< $100M in assets)

Data sourced from FFIEC call reports — current as of Q1 2026. See /data-updates/ for the full refresh schedule.

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