Durden Banking Company, Incorporated
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Data as of · sourced from FFIEC call reports. How we update
Durden Banking Company, Incorporated is an FDIC-insured commercial bank headquartered in Twin City, GA, established in 1934 (FDIC certificate 15336), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $299.2M, up 0.6% from Q2 2025, the 67th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 21.55% 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
- 15336
- Headquarters
- Twin City, GA
- Established
- 1934
- Total assets, Q2 2026
- $299.2M
- Assets vs Q2 2025
- +0.6%
- CET1 ratio, Q2 2026
- 21.55%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 061211443
- Latest call report
- Q2 2026, FFIEC 051 · Durden Banking Company, Incorporated call report
- Holding company
- DURDEN BANKSHARES, INC.
- Asset rank in state
- 67th of 121 in Georgia
Durden Banking Company, Incorporated is one of the more profitable banks of its size. Its balance sheet stood at $299 million at June 30, 2026; it is based in Twin City, Georgia. It earns about $3.63 a year on every $100 of assets, about triple the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 16.6% and deposits fell 1.2%. The commercial and industrial book ($26 million) is worsening: 8.31% of it is past due or on nonaccrual, up from 0.73% a year earlier.
As of June 30, 2026, Durden Banking Company, Incorporated reported a CET1 capital ratio of 21.55%, a return on assets of 3.63%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.72%. The figures come from its call report filed with the FFIEC.
Durden Banking Company, Incorporated ranks as the 67th 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 fell 1.4% to $299.2M, loans rose 3.4% and deposits fell 2.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 34.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.3%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in GA; its Swainsboro office books 42% of its branch deposits. On its Q2 2026 call report, Durden Banking Company, Incorporated meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 111 N Railroad Ave, Twin City, GA 30471
- County
- Emanuel
- 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
- January 1, 1934
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $252.2M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- $30K
- Average total assets
- $297.2M
- Average total loans
- $240.0M
- Average interest-bearing deposits
- $176.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 15, 1936
- FDIC Cert
- 15336
- Fed RSSD
- 101439
- Website
- www.durdenbc.com →
- Parent Holding Company
- DURDEN BANKSHARES, INC. (RSSD 2388663)
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, Durden Banking Company, Incorporated's total assets ranged from $272.2M (Q3 2024) to $303.3M (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
$299.2M total assets against $297.5M; $253.1M total liabilities against $256.4M.
$240.8M net loans and leases against $206.4M; $252.2M total deposits against $255.3M.
$30.9M securities against $57.2M; $19.4M cash and balances due against $25.6M.
$4.9M total interest income against $4.6M; $542K total interest expense against $603K.
$4.3M net interest income against $4.0M.
$590K total noninterest income against $633K; $2.2M total noninterest expense against $2.1M.
$60K provision for credit losses against $0.
$2.7M net income against $2.6M.
3.63% return on assets against 3.54%; 5.96% net interest margin against 5.65%.
21.55% CET1 capital ratio against 22.53%; 16.24% tier 1 leverage ratio against 14.96%.
Inside the full Durden Banking Company, Incorporated terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDurden Banking Company, Incorporated rankings
Its closest position to the top of a national ranking is 29 of 3,611, for ROA; its furthest is 2,846 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.44% (Q4 2024) to 3.63% (Q2 2026) and its net interest margin ran from 5.32% (Q3 2024) to 5.96% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.55% | 3.63% | 0.11% | 0.72% | 5.96% |
| Q1 2026 | 20.73% | 3.55% | 0.35% | 1.74% | 5.79% |
| Q4 2025 | 21.84% | 2.84% | 0.13% | 0.61% | 5.93% |
| Q3 2025 | 22.46% | 3.30% | 0.10% | 0.47% | 5.81% |
| Q2 2025 | 22.53% | 3.54% | 0.10% | 0.64% | 5.65% |
| Q1 2025 | 22.25% | 2.66% | 0.09% | 0.60% | 5.36% |
| Q4 2024 | 23.13% | 2.44% | 0.18% | 0.98% | 5.40% |
| Q3 2024 | 23.44% | 3.09% | 0.25% | 1.30% | 5.32% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Swainsboro Branch | Swainsboro , GA | 30401 | $106.2M |
| Durden Banking Company, Incorporated (main office) | Twin City , GA | 30471 | $69.6M |
| Metter Branch | Metter , GA | 30439 | $62.4M |
| Millen Branch | Millen , GA | 30442 | $14.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 98 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $354K approved, $354K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Durden Banking Company, Incorporated
What are Durden Banking Company, Incorporated's total assets?
As of the Q2 2026 filing, Durden Banking Company, Incorporated reported total assets of $299.2 million in its FFIEC call report.
Where is Durden Banking Company, Incorporated headquartered?
It is headquartered in Twin City, GA, United States.
When was Durden Banking Company, Incorporated founded?
It was established in 1934, per the FDIC institution directory.
Is Durden Banking Company, Incorporated FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15336). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Durden Banking Company, Incorporated?
Durden Banking Company, Incorporated's primary federal regulator is the FDIC.
What is Durden Banking Company, Incorporated's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Durden Banking Company, Incorporated operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Durden Banking Company, Incorporated's Texas Ratio?
Its Texas Ratio is 0.72% 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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