Georgia Banking Company
Georgia Banking Company completed a merger involving an acquired institution in March 2025. This quarter marks the 25-year anniversary of Georgia Banking Company's 2001 charter. Georgia Banking Company is an FDIC-insured commercial bank, during the Gramm-Leach-Bliley deregulation period. The Q1 2026 balance sheet stands at $2.7B in assets, including $2.3B in loans. Returns are notably above industry norms: 1.32% ROA, 12.83% ROE, and 4.51% NIM. Regulatory capital is solid — 11.54% CET1 and 12.74% total risk-based capital ratio. Asset quality is solid — 0.76% nonperforming loans and a 6.39% Texas Ratio. It operates 9 branches, primarily in Georgia.
Headquarters Profile
- Address
- 1776 Peachtree St Nw, ATLANTA, GA 30309
- County
- Fulton
- Metro Area
- ATLANTA-SANDY SPRINGS-ROSWELL, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- November 1, 2001
- Branches
- 9 domestic
- Employees (FTE)
- 240
- FDIC Cert
- 57071
- Fed RSSD
- 3016347
- Website
- www.georgiabanking.com →
- Parent Holding Company
- GEORGIA BANKING COMPANY, INC. (RSSD 3016338)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Georgia Banking Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Similar banks
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Frequently asked about Georgia Banking Company
What are Georgia Banking Company's total assets?
As of the Q1 2026 filing, Georgia Banking Company reported total assets of $2.68 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Georgia Banking Company headquartered?
Georgia Banking Company is headquartered in ATLANTA, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Georgia Banking Company founded?
Georgia Banking Company was established in 2001, per the FDIC institution directory.
Is Georgia Banking Company FDIC-insured?
Yes. Georgia Banking Company is an FDIC-insured commercial bank (FDIC Certificate #57071). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Georgia Banking Company?
Georgia Banking Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Georgia Banking Company's CET1 capital ratio?
Georgia Banking Company reported a Common Equity Tier 1 (CET1) capital ratio of 11.54% in its most recent quarterly filing — above regulatory minimums.
How many branches does Georgia Banking Company operate?
Georgia Banking Company operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Georgia Banking Company's Texas Ratio?
Georgia Banking Company's Texas Ratio is 6.39% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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