The Geo. D. Warthen Bank
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Data as of · sourced from FFIEC call reports. How we update
The Geo. D. Warthen Bank is an FDIC-insured commercial bank headquartered in Sandersville, GA, established in 1871 (FDIC certificate 2154), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $190.3M, down 5.4% from Q2 2025, the 91st largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 22.74% 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
- 2154
- Headquarters
- Sandersville, GA
- Established
- 1871
- Total assets, Q2 2026
- $190.3M
- Assets vs Q2 2025
- -5.4%
- CET1 ratio, Q2 2026
- 22.74%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061102332
- Latest call report
- Q2 2026, FFIEC 051 · The Geo. D. Warthen Bank call report
- Holding company
- GDW BANKSHARES, INC.
- Asset rank in state
- 91st of 121 in Georgia
The Geo. D. Warthen Bank earns an unusually wide margin on its lending. Its balance sheet stood at $190 million at June 30, 2026, down 5.4% from a year earlier; it is based in Sandersville, Georgia. It keeps 5.63 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 0.17% on its deposits and borrowings, a small fraction of the median of 1.80% for banks its size.
Net income for the quarter slipped 20% from a year earlier, to $483,000. Costs are the weak spot: it spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, The Geo. D. Warthen Bank reported a CET1 capital ratio of 22.74%, a return on assets of 0.95%, a nonperforming-loan ratio of 1.27% and a Texas ratio of 5.81%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, The Geo. D. Warthen Bank is the 91st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 7.9% to $190.3M, loans rose 1.0% and deposits fell 9.1%. 1-4 family residential loans made up 47.3% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 14.3%. The FDIC Summary of Deposits lists a single office for it, in Sandersville, GA. Judged on its Q2 2026 call report, The Geo. D. Warthen Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 216 N Harris St, Sandersville, GA 31082
- County
- Washington
- 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, 1871
- Former names
- The Geo. D. Warthen Bank (1957)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $162.9M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $123K
- Average total assets
- $202.4M
- Average total loans
- $107.9M
- Average interest-bearing deposits
- $90.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2154
- Fed RSSD
- 305237
- Website
- WWW.GDWBANK.COM →
- Parent Holding Company
- GDW BANKSHARES, INC. (RSSD 4519126)
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
Over the 12 quarters to Q2 2026, The Geo. D. Warthen Bank's total assets ran between $190.3M (Q2 2026) and $226.7M (Q1 2024), 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
$190.3M total assets against $201.1M; $165.7M total liabilities against $178.2M.
$105.7M net loans and leases against $111.4M; $162.9M total deposits against $174.6M.
$53.2M securities against $52.2M; $18.1M cash and balances due against $23.9M.
$2.7M total interest income against $2.8M; $73K total interest expense against $48K.
$2.6M net interest income against $2.7M.
$325K total noninterest income against $282K; $2.3M total noninterest expense against $2.2M.
$36K provision for credit losses against $45K.
$483K net income against $606K.
0.95% return on assets against 1.18%; 5.63% net interest margin against 5.70%.
22.74% CET1 capital ratio against 20.26%; 13.01% tier 1 leverage ratio against 11.95%.
Inside the full The Geo. D. Warthen Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Geo. D. Warthen Bank rankings
Its closest position to the top of a national ranking is 225 of 2,134, for CET1 ratio; its furthest is 3,147 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.95% (Q2 2026) to 1.41% (Q4 2025) and its net interest margin ran from 5.39% (Q3 2024) to 5.97% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.74% | 0.95% | 1.27% | 5.81% | 5.63% |
| Q1 2026 | 22.37% | 1.18% | 1.38% | 6.36% | 5.59% |
| Q4 2025 | 21.62% | 1.41% | 1.16% | 4.97% | 5.97% |
| Q3 2025 | 21.37% | 1.13% | 1.40% | 6.03% | 5.66% |
| Q2 2025 | 20.26% | 1.18% | 1.29% | 5.93% | 5.70% |
| Q1 2025 | 20.01% | 1.13% | 1.30% | 6.40% | 5.41% |
| Q4 2024 | 20.07% | 1.10% | 1.30% | 6.73% | 5.50% |
| Q3 2024 | 19.49% | 1.18% | 1.41% | 6.58% | 5.39% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Geo. D. Warthen Bank | Sandersville , GA | 31082 | $162.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 125 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 The Geo. D. Warthen Bank
What are The Geo. D. Warthen Bank's total assets?
As of the Q2 2026 filing, The Geo. D. Warthen Bank reported total assets of $190.3 million in its FFIEC call report.
Where is The Geo. D. Warthen Bank headquartered?
It is headquartered in Sandersville, GA, United States.
When was The Geo. D. Warthen Bank founded?
It was established in 1871, per the FDIC institution directory.
Is The Geo. D. Warthen Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2154). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Geo. D. Warthen Bank?
The Geo. D. Warthen Bank's primary federal regulator is the FDIC.
What is The Geo. D. Warthen Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Geo. D. Warthen Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Geo. D. Warthen Bank's Texas Ratio?
Its Texas Ratio is 5.81% 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.
What was The Geo. D. Warthen Bank previously called?
The charter now named The Geo. D. Warthen Bank has also operated as The Geo. D. Warthen Bank (1957), per FDIC structure-change records.
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