Community Banking Company
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Data as of · sourced from FFIEC call reports. How we update
Community Banking Company is an FDIC-insured commercial bank headquartered in Fitzgerald, GA, established in 1996 (FDIC certificate 34160), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $297.3M, up 5.2% from Q2 2025, the 68th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.26% 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
- 34160
- Headquarters
- Fitzgerald, GA
- Established
- 1996
- Total assets, Q2 2026
- $297.3M
- Assets vs Q2 2025
- +5.2%
- Tier 1 leverage ratio, Q2 2026
- 11.26%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 061204913
- Latest call report
- Q2 2026, FFIEC 051 · Community Banking Company call report
- Holding company
- CBC HOLDING COMPANY
- Asset rank in state
- 68th of 121 in Georgia
Community Banking Company, based in Fitzgerald, Georgia, reported $297 million in assets at June 30, 2026, up 5.2% from a year earlier. It holds commercial real estate loans equal to only 21% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 13.0% over the year, 2.4 times the median of 5.5% for banks its size.
Net income for the quarter rose 16% from a year earlier, to $1.2 million. Over the same year, loans grew 13.0% and deposits grew 5.0%.
As of June 30, 2026, Community Banking Company reported a return on assets of 1.63%, a nonperforming-loan ratio of 0.64% and a Texas ratio of 3.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community Banking Company is the 68th largest of the 121 banks headquartered in Georgia. Between Q1 2026 and Q2 2026, its total assets fell 2.7% to $297.3M, loans rose 0.5% and deposits fell 3.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.7% of total loans, followed by farmland and other real estate loans at 15.2%. Its 3 offices in the FDIC Summary of Deposits are in Fitzgerald, GA and Ocilla, GA; its Fitzgerald 2 offices book 94% of its branch deposits. Judged on its Q2 2026 call report, Community Banking Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 102 W Roanoke Dr, Fitzgerald, GA 31750
- County
- Ben Hill
- Metro Area
- Fitzgerald, 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
- April 19, 1996
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $259.9M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- $51K
- Average total assets
- $301.0M
- Average total loans
- $173.1M
- Average interest-bearing deposits
- $213.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 19, 1996
- FDIC Cert
- 34160
- Fed RSSD
- 553038
- SEC CIK
- 1038359 → filed by CBC HOLDING COMPANY
- Parent Holding Company
- CBC HOLDING COMPANY (RSSD 2530118)
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 Banking Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Community Banking Company's total assets moved between a low of $249.1M (Q3 2023) and a high of $305.5M (Q1 2026) from Q3 2023 to 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
$297.3M total assets against $282.5M; $262.0M total liabilities against $249.7M.
$171.0M net loans and leases against $151.0M; $259.9M total deposits against $247.7M.
$38.7M securities against $34.2M; $73.5M cash and balances due against $84.4M.
$4.1M total interest income against $3.8M; $1.0M total interest expense against $1.1M.
$3.0M net interest income against $2.7M.
$517K total noninterest income against $474K; $1.8M total noninterest expense against $1.7M.
$80K provision for credit losses against $30K.
$1.2M net income against $1.1M.
1.63% return on assets against 1.53%; 4.29% net interest margin against 4.11%.
11.26% tier 1 leverage ratio against 11.34%.
Inside the full Community Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Banking Company rankings
Its closest position to the top of a national ranking is 948 of 3,606, for efficiency ratio; its furthest is 2,472 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.46% (Q4 2025) to 1.73% (Q3 2025) and its net interest margin ran from 3.88% (Q1 2025) to 4.29% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.26% | 1.63% | 0.64% | 3.01% | 4.29% |
| Q1 2026 | 10.86% | 1.70% | 0.74% | 3.43% | 4.03% |
| Q4 2025 | 10.98% | 1.46% | 0.80% | 3.55% | 4.23% |
| Q3 2025 | 11.52% | 1.73% | 0.72% | 2.74% | 4.28% |
| Q2 2025 | 11.34% | 1.53% | 0.77% | 2.92% | 4.11% |
| Q1 2025 | 10.94% | 1.50% | 0.80% | 3.12% | 3.88% |
| Q4 2024 | 11.12% | 1.46% | 0.86% | 3.35% | 3.89% |
| Q3 2024 | 11.61% | 1.71% | 0.65% | 2.81% | 4.01% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Banking Company (main office) | Fitzgerald , GA | 31750 | $244.4M |
| Irwin Branch | Ocilla , GA | 31774 | $15.5M |
| South Main Street Branch | Fitzgerald , GA | 31750 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 93 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $278K approved, $278K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 3 complaints in the last 3 full quarters. Raw counts, not adjusted for size
- Period: 2021-Q1 to 2026-Q1. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Banking Company
What are Community Banking Company's total assets?
As of the Q2 2026 filing, Community Banking Company reported total assets of $297.3 million in its FFIEC call report.
Where is Community Banking Company headquartered?
It is headquartered in Fitzgerald, GA, United States.
When was Community Banking Company founded?
It was established in 1996, per the FDIC institution directory.
Is Community Banking Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Banking Company?
Community Banking Company's primary federal regulator is the FDIC.
How many branches does Community Banking Company 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 Banking Company's Texas Ratio?
Its Texas Ratio is 3.01% 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.
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