The Claxton Bank
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Data as of · sourced from FFIEC call reports. How we update
The Claxton Bank is an FDIC-insured commercial bank headquartered in Bellville, GA, established in 1941 (FDIC certificate 15826), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $304.8M, up 28.1% from Q2 2025, the 66th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 15.39% 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
- 15826
- Headquarters
- Bellville, GA
- Established
- 1941
- Total assets, Q2 2026
- $304.8M
- Assets vs Q2 2025
- +28.1%
- CET1 ratio, Q2 2026
- 15.39%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 061212015
- Latest call report
- Q2 2026, FFIEC 051 · The Claxton Bank call report
- Holding company
- TCB FINANCIAL, INC.
- Asset rank in state
- 66th of 121 in Georgia
Problem loans are rising at The Claxton Bank. Based in Bellville, Georgia, it had $305 million in assets at June 30, 2026, up 28.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.51% of loans from 0.58% a year earlier. It spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also grew its loan book 37.4% over the year, 6.8 times the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 37.4% and deposits rose 23.3%. Credit is the area to watch: it carries problem assets equal to 14.0% of the capital and reserves that would absorb them, 5.3 times the median of 2.6% for banks its size.
As of June 30, 2026, The Claxton Bank reported a CET1 capital ratio of 15.39%, a return on assets of 0.53%, a nonperforming-loan ratio of 2.51% and a Texas ratio of 14.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Claxton Bank is the 66th largest of the 121 banks headquartered in Georgia. Between Q1 2026 and Q2 2026, its total assets rose 3.4% to $304.8M, loans rose 1.2% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 25.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 25.2%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Bellville office books 50% of its branch deposits. On its Q2 2026 call report, The Claxton Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1433 Bernie Anderson Highway, Bellville, GA 30414
- County
- Evans
- Metro Area
- Statesboro, 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
- February 24, 1941
- Former names
- The Claxton Bank (1974)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $249.1M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $294.9M
- Average total loans
- $212.9M
- Average interest-bearing deposits
- $217.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 14, 1941
- FDIC Cert
- 15826
- Fed RSSD
- 452739
- SEC CIK
- 2023467 → filed by TCB FINANCIAL, INC.
- Website
- www.tcbga.bank →
- Parent Holding Company
- TCB FINANCIAL, INC. (RSSD 2662596)
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
Over the 12 quarters to Q2 2026, The Claxton Bank's total assets ran between $158.5M (Q3 2023) and $304.8M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$304.8M total assets against $237.9M; $269.2M total liabilities against $203.7M.
$212.3M net loans and leases against $154.2M; $249.1M total deposits against $202.1M.
$52.8M securities against $52.0M; $26.1M cash and balances due against $21.3M.
$4.3M total interest income against $3.7M; $1.5M total interest expense against $1.0M.
$2.8M net interest income against $2.6M.
$280K total noninterest income against $261K; $2.6M total noninterest expense against $2.2M.
$30K provision for credit losses against $190K.
$393K net income against $387K.
0.53% return on assets against 0.67%; 3.98% net interest margin against 4.74%.
15.39% CET1 capital ratio against 20.24%; 12.60% tier 1 leverage ratio against 15.65%.
Inside the full The Claxton Bank 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.
The Claxton Bank rankings
Its closest position to the top of a national ranking is 354 of 3,640, for Texas Ratio; its furthest is 3,338 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.14% (Q1 2026) to 0.67% (Q2 2025) and its net interest margin ran from 3.98% (Q2 2026) to 4.78% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.39% | 0.53% | 2.51% | 14.01% | 3.98% |
| Q1 2026 | 15.70% | 0.14% | 0.39% | 2.21% | 4.12% |
| Q4 2025 | 16.96% | 0.30% | 0.47% | 2.16% | 4.31% |
| Q3 2025 | 19.67% | 0.38% | 0.54% | 2.69% | 4.44% |
| Q2 2025 | 20.24% | 0.67% | 0.58% | 2.81% | 4.74% |
| Q1 2025 | 23.07% | 0.41% | 0.61% | 2.66% | 4.36% |
| Q4 2024 | 24.54% | 0.23% | 0.69% | 2.39% | 4.54% |
| Q3 2024 | 27.58% | 0.49% | 0.44% | 1.33% | 4.78% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| The Claxton Bank | Bellville , GA | 30414 | $124.6M |
| Jacksonville Office Branch | Jacksonville , FL | 32202 | $97.2M |
| Richmond Hill Branch | Richmond Hill , GA | 31324 | $24.2M |
| Claxton Square Branch | Claxton , GA | 30417 | $3.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 27, 1991 | Structure Change | Acquired Fulton Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 127 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 23 applications, 17 loans originated, $12.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $7.2M approved, $2.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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 The Claxton Bank
What are The Claxton Bank's total assets?
As of the Q2 2026 filing, The Claxton Bank reported total assets of $304.8 million in its FFIEC call report.
Where is The Claxton Bank headquartered?
It is headquartered in Bellville, GA, United States.
When was The Claxton Bank founded?
It was established in 1941, per the FDIC institution directory.
Is The Claxton Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15826). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Claxton Bank?
The Claxton Bank's primary federal regulator is the FDIC.
What is The Claxton Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.39% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Claxton Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Claxton Bank's Texas Ratio?
Its Texas Ratio is 14.01% 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.
What was The Claxton Bank previously called?
The charter now named The Claxton Bank has also operated as The Claxton Bank (1974), per FDIC structure-change records.
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