Community Bank & Trust - West Georgia
BankRegReports is independent of Community Bank & Trust - West Georgia and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Community Bank & Trust - West Georgia was an FDIC-insured commercial bank headquartered in Lagrange, GA, established in 1984 (FDIC certificate 25796), and it was supervised by the FDIC. Its final call report, for Q1 2026, showed total assets of $292.6M.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 25796
- Headquarters
- Lagrange, GA
- Established
- 1984
- Total assets, Q1 2026
- $292.6M
- Capital ratio
- Not reported
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 061103218
Problem loans are rising at Community Bank & Trust - West Georgia. It reported $293 million in assets at March 31, 2026, up 23.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 16.47% of loans from 9.08% a year earlier. It spends about 92 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,694 banks with $100 million to $1 billion in assets (median 63 cents). It also keeps 2.33 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.84 cents).
It lost $5.0 million in the quarter. Over the same year, loans grew 2.3% and deposits grew 42.6%. Funding is the softer spot: it pays an average of 3.26% on its deposits and borrowings, about double the median of 1.81% for banks its size.
As of March 31, 2026, Community Bank & Trust - West Georgia reported a CET1 capital ratio of 0.19%, a return on assets of -6.64%, a nonperforming-loan ratio of 17.28% and a Texas ratio of 403.87%. The figures come from its call report filed with the FFIEC.
Quarter on quarter (Q4 2025 to Q1 2026), its total assets rose 1.5% to $292.6M, loans fell 0.2% and deposits rose 6.8%. Its loan book on March 31, 2026 was led by commercial and industrial loans, at 44.7% of total loans, followed by owner-occupied commercial real estate loans at 30.4%. The FDIC Summary of Deposits lists 3 offices for it, in Lagrange, GA and Hogansville, GA; its Lagrange 2 offices book 90% of its branch deposits. By the capital ratios in its Q1 2026 call report, Community Bank & Trust - West Georgia falls below at least one capital ratio minimum for adequately capitalized.
Headquarters Profile
- Address
- 201 Broad St, Lagrange, GA 30240
- County
- Troup
- Metro Area
- Lagrange, GA-AL
- 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 041
- Established
- December 15, 1984
- Former names
- Community Bank and Trust - West Georgia (2006); Community Bank and Trust - Troup (1995-2006)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $286.6M
- Allowance for credit losses
- $8.0M
- Net charge-offs (YTD)
- $3.0M
- Average total assets
- $301.1M
- Average total loans
- $193.6M
- Average interest-bearing deposits
- $242.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 15, 1984
- FDIC Cert
- 25796
- Fed RSSD
- 761833
Profitability
Q1 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q1 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 Q1 2026, Community Bank & Trust - West Georgia's total assets ran between $101.9M (Q2 2023) and $292.6M (Q1 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q1 2026 with Q1 2025. How these charts are built
$292.6M total assets against $236.1M; $288.7M total liabilities against $223.4M.
$182.6M net loans and leases against $179.0M; $286.6M total deposits against $201.0M.
$22.1M securities against $11.2M; $47.5M cash and balances due against $30.4M.
$3.7M total interest income against $4.0M; $2.3M total interest expense against $1.5M.
$1.5M net interest income against $2.5M.
$5.0M total noninterest income against $2.5M; $6.0M total noninterest expense against $4.0M.
$6.4M provision for credit losses against $1.0M.
-$5.0M net income against $12K.
-6.64% return on assets against 0.02%; 2.33% net interest margin against 4.71%.
0.19% CET1 capital ratio against 8.22%; 0.16% tier 1 leverage ratio against 7.33%.
Inside the full Community Bank & Trust - West Georgia 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.
The bank's Common Equity Tier 1 ratio is below the 7% effective floor (4.5% minimum + 2.5% conservation buffer): triggers regulatory restrictions on dividends, buybacks, and discretionary bonuses. Basel III capital conservation buffer, 12 CFR 217.11.
A Texas Ratio above 100% means non-performing assets exceed the bank's capital and reserves. Historically correlates with elevated failure risk per the 1980s Texas banking crisis from which the ratio was named. Analyst heuristic (Cassidy/RBC), not a supervisory threshold.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Quarterly trend: last 8 quarters
Across the 8 quarters to Q1 2026, its return on assets ran from -6.64% (Q1 2026) to 4.76% (Q4 2025) and its net interest margin ran from 0.89% (Q2 2025) to 6.86% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q1 2026 | 0.19% | -6.64% | 17.28% | 403.87% | 2.33% |
| Q4 2025 | 8.41% | 4.76% | 10.15% | 96.55% | 6.86% |
| Q3 2025 | 7.87% | 2.56% | 11.41% | 145.46% | 4.78% |
| Q2 2025 | 5.64% | -1.01% | 14.71% | 134.14% | 0.89% |
| Q1 2025 | 8.22% | 0.02% | 12.83% | 84.42% | 4.71% |
| Q4 2024 | 9.46% | 2.92% | 13.50% | 89.11% | 4.55% |
| Q3 2024 | 10.58% | -1.32% | 8.10% | 64.19% | 5.97% |
| Q2 2024 | 11.85% | 0.56% | 6.78% | 43.99% | 6.07% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2025. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Bank and Trust - West Georgia | Lagrange , GA | 30240 | $205.2M |
| East Main Street Branch | Hogansville , GA | 30230 | $24.9M |
| West Point Road Banking Center Branch | Lagrange , GA | 30240 | $15.5M |
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 |
|---|---|---|---|
| May 2, 2026 | Structure Change | Failure, Government Assistance Provided | FFIEC NIC |
| May 1, 2026 | Failure | Failure / assisted resolution | FDIC FAILURES |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Deposit market share, 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
Similar banks
Compare Community Bank & Trust - West Georgia with peers
Frequently asked about Community Bank & Trust - West Georgia
What are Community Bank & Trust - West Georgia's total assets?
As of the Q1 2026 filing, Community Bank & Trust - West Georgia reported total assets of $292.6 million in its FFIEC call report.
Where is Community Bank & Trust - West Georgia headquartered?
It is headquartered in Lagrange, GA, United States.
When was Community Bank & Trust - West Georgia founded?
It was established in 1984, per the FDIC institution directory.
Is Community Bank & Trust - West Georgia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25796). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank & Trust - West Georgia?
Community Bank & Trust - West Georgia's primary federal regulator is the FDIC.
What is Community Bank & Trust - West Georgia's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 0.19% in its Q1 2026 call report, below the 4.5% regulatory minimum.
How many branches does Community Bank & Trust - West Georgia operate?
It operates 3 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 & Trust - West Georgia's Texas Ratio?
Its Texas Ratio is 403.87% in its Q1 2026 call report, elevated; historically a Texas Ratio above 100% correlates with elevated failure risk. The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Community Bank & Trust - West Georgia previously called?
The charter now named Community Bank & Trust - West Georgia has also operated as Community Bank and Trust - West Georgia (2006), Community Bank and Trust - Troup (1995-2006), per FDIC structure-change records.
Go deeper on Community Bank & Trust - West Georgia.
Get an email when Community Bank & Trust - West Georgia files its next call report, and benchmark it against any peer you choose.
Unlock Community Bank & Trust - West Georgia, freeFree account