Community Bank of Georgia
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Data as of · sourced from FFIEC call reports. How we update
Community Bank of Georgia is an FDIC-insured commercial bank headquartered in Baxley, GA, established in 2004 (FDIC certificate 57579), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $269.5M, up 7.6% from Q2 2025, the 75th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.99% 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
- 57579
- Headquarters
- Baxley, GA
- Established
- 2004
- Total assets, Q2 2026
- $269.5M
- Assets vs Q2 2025
- +7.6%
- Tier 1 leverage ratio, Q2 2026
- 10.99%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061220353
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank of Georgia call report
- Holding company
- COMMUNITY BANK OF GEORGIA, INC.
- Asset rank in state
- 75th of 121 in Georgia
Problem loans are rising at Community Bank of Georgia. Its balance sheet stood at $269 million at June 30, 2026, up 7.6% from a year earlier; it is based in Baxley, Georgia. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.05% of loans from 0.46% a year earlier. It spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also grew its loan book 23.4% over the year, 4.2 times the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 23.4% and deposits rose 6.9%. The non-owner-occupied commercial real estate book ($22 million) is worsening: 7.61% of it is past due or on nonaccrual, up from 1.81% a year earlier.
As of June 30, 2026, Community Bank of Georgia reported a return on assets of 1.90%, a nonperforming-loan ratio of 1.05% and a Texas ratio of 6.31%. The figures come from its call report filed with the FFIEC.
Community Bank of Georgia ranks as the 75th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 8.3% to $269.5M, loans rose 6.7% and deposits rose 9.0%. Farmland and other real estate loans made up 29.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.4%. Its 2 offices in the FDIC Summary of Deposits are in Baxley, GA and Valdosta, GA; its Baxley office books 99% of its branch deposits. On its Q2 2026 call report, Community Bank of Georgia meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 700 W Parker St, Baxley, GA 31513
- County
- Appling
- 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
- May 11, 2004
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $239.6M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $92K
- Average total assets
- $263.4M
- Average total loans
- $183.6M
- Average interest-bearing deposits
- $212.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 11, 2004
- FDIC Cert
- 57579
- Fed RSSD
- 3213333
- SEC CIK
- 1241720 → filed by COMMUNITY BANK OF GEORGIA, INC.
- Website
- www.communitybankga.com →
- Parent Holding Company
- COMMUNITY BANK OF GEORGIA, INC. (RSSD 3213324)
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, Community Bank of Georgia reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Community Bank of Georgia's total assets ranged from $185.7M (Q3 2023) to $269.5M (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
$269.5M total assets against $250.6M; $241.8M total liabilities against $227.2M.
$184.7M net loans and leases against $149.3M; $239.6M total deposits against $224.2M.
$18.5M securities against $15.2M; $61.2M cash and balances due against $81.6M.
$4.2M total interest income against $3.9M; $1.1M total interest expense against $1.2M.
$3.1M net interest income against $2.7M.
$107K total noninterest income against $84K; $1.4M total noninterest expense against $1.2M.
$75K provision for credit losses against $75K.
$1.3M net income against $1.1M.
1.90% return on assets against 1.81%; 4.77% net interest margin against 4.54%.
10.99% tier 1 leverage ratio against 10.21%.
Inside the full Community Bank of Georgia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Bank of Georgia rankings
Its closest position to the top of a national ranking is 321 of 3,606, for efficiency ratio; its furthest is 2,604 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.38% (Q4 2024) to 1.90% (Q2 2026) and its net interest margin ran from 4.27% (Q3 2024) to 4.77% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.99% | 1.90% | 1.05% | 6.31% | 4.77% |
| Q1 2026 | 11.34% | 1.83% | 2.78% | 16.36% | 4.77% |
| Q4 2025 | 10.73% | 1.76% | 1.33% | 7.63% | 4.67% |
| Q3 2025 | 10.39% | 1.78% | 0.44% | 2.50% | 4.50% |
| Q2 2025 | 10.21% | 1.81% | 0.46% | 2.62% | 4.54% |
| Q1 2025 | 10.52% | 1.68% | 0.45% | 2.84% | 4.46% |
| Q4 2024 | 10.73% | 1.38% | 0.61% | 3.66% | 4.38% |
| Q3 2024 | 11.20% | 1.50% | 0.80% | 4.12% | 4.27% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Community Bank of Georgia (main office) | Baxley , GA | 31513 | $237.5M |
| Valdosta Branch | Valdosta , GA | 31602 | $2.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 101 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $932K approved, $932K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (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 Community Bank of Georgia
What are Community Bank of Georgia's total assets?
As of the Q2 2026 filing, Community Bank of Georgia reported total assets of $269.5 million in its FFIEC call report.
Where is Community Bank of Georgia headquartered?
It is headquartered in Baxley, GA, United States.
When was Community Bank of Georgia founded?
It was established in 2004, per the FDIC institution directory.
Is Community Bank of Georgia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57579). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank of Georgia?
Community Bank of Georgia's primary federal regulator is the FDIC.
How many branches does Community Bank of Georgia operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank of Georgia's Texas Ratio?
Its Texas Ratio is 6.31% 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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