Georgia Banking Company
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Data as of · sourced from FFIEC call reports. How we update
Georgia Banking Company is an FDIC-insured commercial bank headquartered in Atlanta, GA, established in 2001 (FDIC certificate 57071), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.26B, up 25.8% from Q2 2025, the 6th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 11.83% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57071
- Headquarters
- Atlanta, GA
- Established
- 2001
- Total assets, Q2 2026
- $3.26B
- Assets vs Q2 2025
- +25.8%
- CET1 ratio, Q2 2026
- 11.83%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 061019975
- Latest call report
- Q2 2026, FFIEC 041 · Georgia Banking Company call report
- Holding company
- GEORGIA BANKING COMPANY, INC.
- Asset rank in state
- 6th of 121 in Georgia
Georgia Banking Company is growing quickly. The Atlanta, Georgia bank had $3.3 billion in assets at June 30, 2026, up 25.8% from a year earlier. It grew deposits 37.9% over the year, 7.5 times the median of 5.1% for the 895 banks with $1 billion to $10 billion in assets. It also keeps 4.43 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Deposits are coming in faster than loans: over the year loans rose 15.4% and deposits rose 37.9%. The commercial and industrial book ($386 million) is worsening: 3.47% of it is past due or on nonaccrual, up from 1.95% a year earlier. Funding is the softer spot: it holds about two-fifths of its deposits (44%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Georgia Banking Company reported a CET1 capital ratio of 11.83%, a return on assets of 0.96%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 3.53%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Georgia Banking Company is the 6th largest of the 121 banks headquartered in Georgia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 21.8% to $3.26B, loans rose 13.6% and deposits rose 28.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 24.0%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities in GA; its Atlanta 3 offices book 76% of its branch deposits. By the capital ratios in its Q2 2026 call report, Georgia Banking Company meets every capital ratio test for well capitalized.
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
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 1, 2001
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 275
- Domestic deposits
- $2.88B
- Allowance for credit losses
- $29.0M
- Net charge-offs (YTD)
- $977K
- Average total assets
- $2.81B
- Average total loans
- $2.37B
- Average interest-bearing deposits
- $2.22B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 1, 2001
- FDIC Cert
- 57071
- Fed RSSD
- 3016347
- SEC CIK
- 1070965 → filed by GEORGIA BANKING COMPANY, INC.
- Website
- www.georgiabanking.com →
- Parent Holding Company
- GEORGIA BANKING COMPANY, INC. (RSSD 3016338) · GBC
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
Georgia Banking Company's total assets moved between a low of $1.61B (Q3 2023) and a high of $3.26B (Q2 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
$3.26B total assets against $2.59B; $2.94B total liabilities against $2.35B.
$2.56B net loans and leases against $2.22B; $2.88B total deposits against $2.09B.
$125.1M securities against $92.4M; $431.9M cash and balances due against $147.2M.
$44.2M total interest income against $41.3M; $14.3M total interest expense against $15.0M.
$29.9M net interest income against $26.3M.
$3.3M total noninterest income against $2.5M; $23.0M total noninterest expense against $17.2M.
$1.1M provision for credit losses against $733K.
$6.8M net income against $8.0M.
0.96% return on assets against 1.28%; 4.43% net interest margin against 4.40%.
11.83% CET1 capital ratio against 10.41%; 10.78% tier 1 leverage ratio against 9.33%.
Inside the full Georgia Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Georgia Banking Company rankings
Its closest position to the top of a national ranking is 388 of 4,196, for total assets; its furthest is 1,764 of 2,134, for CET1 ratio.
Metric pages for Georgia Banking Company: Uninsured deposits.
Banks merged into Georgia Banking Company
- Tandem Bank, effective June 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.07% (Q1 2025) to 1.32% (Q1 2026) and its net interest margin ran from 4.04% (Q4 2024) to 4.54% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.83% | 0.96% | 0.67% | 3.53% | 4.43% |
| Q1 2026 | 11.54% | 1.32% | 0.79% | 4.20% | 4.51% |
| Q4 2025 | 11.52% | 1.28% | 0.66% | 4.45% | 4.50% |
| Q3 2025 | 10.91% | 1.26% | 0.57% | 3.95% | 4.54% |
| Q2 2025 | 10.41% | 1.28% | 0.54% | 3.36% | 4.40% |
| Q1 2025 | 10.72% | 0.07% | 0.59% | 3.55% | 4.17% |
| Q4 2024 | 9.98% | 0.88% | 0.43% | 4.07% | 4.04% |
| Q3 2024 | 9.83% | 0.75% | 0.89% | 8.36% | 4.14% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Georgia Banking Company (main office) | Atlanta , GA | 30309 | $1.49B |
| Garden Hills Office Branch | Atlanta , GA | 30305 | $489.7M |
| Tandem Bank Branch | Tucker , GA | 30084 | $241.5M |
| Duluth Branch | Duluth , GA | 30097 | $224.3M |
| Georgia Primary Bank Branch | Atlanta , GA | 30342 | $207.8M |
| Griffin Branch | Griffin , GA | 30223 | $105.9M |
| North Metro Financial Center Branch | Cumming , GA | 30040 | $44.4M |
| Marietta Office Branch | Marietta , GA | 30068 | $31.2M |
| Lawrenceville Branch | Lawrenceville , GA | 30046 | $21.3M |
| Alpharetta Office Branch | Alpharetta , GA | 30004 | $18.5M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2026 | Structure Change | Acquired Tandem Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2025 | Structure Change | Acquired Georgia Primary Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in GA, rank 17 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 12 loans, $7.5M approved, $629K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Georgia Banking Company
What are Georgia Banking Company's total assets?
As of the Q2 2026 filing, Georgia Banking Company reported total assets of $3.26 billion in its FFIEC call report.
Where is Georgia Banking Company headquartered?
It is headquartered in Atlanta, GA, United States.
When was Georgia Banking Company founded?
It was established in 2001, per the FDIC institution directory.
Is Georgia Banking Company FDIC-insured?
Yes. It 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.
What is Georgia Banking Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.83% in its Q2 2026 call report, above regulatory requirements.
How many branches does Georgia Banking Company operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Georgia Banking Company's Texas Ratio?
Its Texas Ratio is 3.53% 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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