Community Bank of Pickens County
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Data as of · sourced from FFIEC call reports. How we update
Community Bank of Pickens County is an FDIC-insured commercial bank headquartered in Jasper, GA, established in 2000 (FDIC certificate 35513), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $628.6M, up 5.6% from Q2 2025, the 25th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 18.94% 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
- 35513
- Headquarters
- Jasper, GA
- Established
- 2000
- Total assets, Q2 2026
- $628.6M
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 18.94%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061119985
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank of Pickens County Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- COMMUNITY BANKS OF GEORGIA, INC.
- Asset rank in state
- 25th of 121 in Georgia
Community Bank of Pickens County is one of the more profitable banks of its size. Its balance sheet stood at $629 million at June 30, 2026, up 5.6% from a year earlier; it is based in Jasper, Georgia. It earns about $2.40 a year on every $100 of assets, about double the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter slipped 13% from a year earlier, to $3.8 million. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Community Bank of Pickens County reported a CET1 capital ratio of 18.94%, a return on assets of 2.40%, a nonperforming-loan ratio of 1.96% and a Texas ratio of 2.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community Bank of Pickens County is the 25th largest of the 121 banks headquartered in Georgia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.7% to $628.6M, loans rose 3.3% and deposits fell 1.9%. Owner-occupied commercial real estate loans made up 35.3% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 26.9%. Its 2 offices in the FDIC Summary of Deposits are in Jasper, GA. Judged on its Q2 2026 call report, Community Bank of Pickens County meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 15 Sammy Mcghee Blvd, Jasper, GA 30143
- County
- Pickens
- Metro Area
- Atlanta-Sandy Springs-Roswell, 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
- October 2, 2000
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $537.8M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- -$94K
- Average total assets
- $637.7M
- Average total loans
- $487.7M
- Average interest-bearing deposits
- $440.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 2, 2000
- FDIC Cert
- 35513
- Fed RSSD
- 2943615
- SEC CIK
- 1273555 → filed by COMMUNITY BANKS OF GEORGIA, INC.
- Website
- http://www.cbopc.com →
- Parent Holding Company
- COMMUNITY BANKS OF GEORGIA, INC. (RSSD 3180408)
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, Community Bank of Pickens County's total assets ranged from $538.9M (Q3 2023) to $639.3M (Q1 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
$628.6M total assets against $595.1M; $542.5M total liabilities against $513.7M.
$483.9M net loans and leases against $448.6M; $537.8M total deposits against $508.5M.
$84.1M securities against $54.6M; $40.3M cash and balances due against $72.8M.
$10.3M total interest income against $10.2M; $2.9M total interest expense against $2.8M.
$7.4M net interest income against $7.3M.
$583K total noninterest income against $1.6M; $3.0M total noninterest expense against $3.0M.
$0 provision for credit losses against $175K.
$3.8M net income against $4.4M.
2.40% return on assets against 2.96%; 4.76% net interest margin against 5.06%.
18.94% CET1 capital ratio against 19.47%; 13.55% tier 1 leverage ratio against 13.74%.
Inside the full Community Bank of Pickens County 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.
Community Bank of Pickens County rankings
Its closest position to the top of a national ranking is 139 of 3,606, for efficiency ratio; its furthest is 1,947 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.14% (Q4 2024) to 2.96% (Q2 2025) and its net interest margin ran from 4.49% (Q1 2026) to 5.37% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.94% | 2.40% | 1.96% | 2.73% | 4.76% |
| Q1 2026 | 19.57% | 2.28% | 2.12% | 2.90% | 4.49% |
| Q4 2025 | 19.07% | 2.30% | 2.11% | 2.72% | 4.95% |
| Q3 2025 | 19.31% | 2.58% | 1.20% | 1.84% | 5.10% |
| Q2 2025 | 19.47% | 2.96% | 1.24% | 1.83% | 5.06% |
| Q1 2025 | 19.39% | 2.49% | 1.32% | 2.55% | 5.37% |
| Q4 2024 | 18.07% | 2.14% | 2.90% | 7.90% | 4.75% |
| Q3 2024 | 17.77% | 2.33% | 3.03% | 12.51% | 5.06% |
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 Pickens County (main office) | Jasper , GA | 30143 | $384.4M |
| Cove Road Location Branch | Jasper , GA | 30143 | $153.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, COMMUNITY BANKS OF GEORGIA, INC., not the bank itself
- May 24, 2011, Federal Reserve: Written Agreement: Community Banks of Georgia, Inc., Jasper, Georgia
- Period: Most recent institution action May 24, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in GA, rank 46 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 54 applications, 54 loans originated, $23.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $8.7M approved, $1.5M 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
- 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 Pickens County
What are Community Bank of Pickens County's total assets?
As of the Q2 2026 filing, Community Bank of Pickens County reported total assets of $628.6 million in its FFIEC call report.
Where is Community Bank of Pickens County headquartered?
It is headquartered in Jasper, GA, United States.
When was Community Bank of Pickens County founded?
It was established in 2000, per the FDIC institution directory.
Is Community Bank of Pickens County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35513). 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 Pickens County?
Community Bank of Pickens County's primary federal regulator is the FDIC.
What is Community Bank of Pickens County's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.94% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Bank of Pickens County 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 Pickens County's Texas Ratio?
Its Texas Ratio is 2.73% 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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