Bank Comparison
Tower Community Bank vs Georgia Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Tower Community Bank | Georgia Community Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.89% | 13.61% |
| Equity / Assets | 10.40% | 13.16% |
Profitability
| Metric | Tower Community Bank | Georgia Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.11% | 1.69% |
| Return on Equity (ROE) | 10.86% | 12.99% |
| Net Interest Margin (NIM) | 4.37% | 4.77% |
| Yield on Earning Assets | 6.29% | 6.23% |
| Cost of Funds | 2.03% | 1.61% |
Asset quality
| Metric | Tower Community Bank | Georgia Community Bank |
|---|---|---|
| Texas Ratio | 8.68% | 7.95% |
| Non-Performing Loan Ratio | 0.58% | 1.67% |
| Non-Performing Asset Ratio | 0.86% | 1.10% |
| Net Charge-Off Ratio | 0.16% | 0.01% |
| ACL / Loans | 1.06% | 1.31% |
Balance sheet
| Metric | Tower Community Bank | Georgia Community Bank |
|---|---|---|
| Total Assets | $385,211K | $384,887K |
| Total Deposits | $339,794K | $331,508K |
| Total Loans | $288,275K | $249,894K |
| Total Equity | $40,069K | $50,665K |
| Net Income (quarter) | $1,085K | $1,646K |
Liquidity & funding
| Metric | Tower Community Bank | Georgia Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.84% | 75.38% |
| Core Deposit Ratio | 82.79% | 81.83% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Tower Community Bank | Georgia Community Bank |
|---|---|---|
| Headquarters City | JASPER | ALBANY |
| Headquarters State | TN | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 12 | 8 |
| Employees (FTE) | 66 | 78 |
| Established | Jan. 2, 1970, midnight | Aug. 31, 1999, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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