Georgia Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Georgia Community Bank is an FDIC-insured commercial bank headquartered in Albany, GA, established in 1999 (FDIC certificate 35320), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $375.0M, up 0.3% from Q2 2025, the 55th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.67% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35320
- Headquarters
- Albany, GA
- Established
- 1999
- Total assets, Q2 2026
- $375.0M
- Assets vs Q2 2025
- +0.3%
- Tier 1 leverage ratio, Q2 2026
- 13.67%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 061211728
- Latest call report
- Q2 2026, FFIEC 051 · Georgia Community Bank call report
- Holding company
- GEORGIA COMMUNITY BANCORP, INCORPORATED
- Asset rank in state
- 55th of 121 in Georgia
Problem loans are rising at Georgia Community Bank. Based in Albany, Georgia, it had $375 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.25% of loans from 0.61% a year earlier. It keeps 4.93 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 shrank its loan book 4.8% over the year, lower than about 9 in 10 banks its size (median 5.5%).
The balance sheet shrank over the year: over the year loans fell 4.8% and deposits fell 0.8%.
As of June 30, 2026, Georgia Community Bank reported a return on assets of 1.87%, a nonperforming-loan ratio of 1.25% and a Texas ratio of 6.26%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Georgia Community Bank is the 55th largest of the 121 banks headquartered in Georgia. Between Q1 2026 and Q2 2026, its total assets fell 2.6% to $375.0M, loans rose 2.2% and deposits fell 3.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 47.1% of total loans, followed by farmland and other real estate loans at 13.0%. Its 8 offices in the FDIC Summary of Deposits are in 6 cities in GA; its Dawson 2 offices book 40% of its branch deposits. Judged on its Q2 2026 call report, Georgia Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 704 N Westover Blvd, Albany, GA 31707
- County
- Dougherty
- Metro Area
- Albany, 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 051
- Established
- August 31, 1999
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $321.7M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $117K
- Average total assets
- $381.4M
- Average total loans
- $253.9M
- Average interest-bearing deposits
- $220.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 31, 1999
- FDIC Cert
- 35320
- Fed RSSD
- 2823221
- Website
- www.gcb.bank →
- Parent Holding Company
- GEORGIA COMMUNITY BANCORP, INCORPORATED (RSSD 1245581)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Georgia Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Georgia Community Bank's total assets ran between $367.0M (Q3 2025) and $386.9M (Q4 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
$375.0M total assets against $373.9M; $324.7M total liabilities against $327.1M.
$252.2M net loans and leases against $265.1M; $321.7M total deposits against $324.3M.
$65.8M securities against $68.8M; $35.2M cash and balances due against $18.6M.
$5.7M total interest income against $5.8M; $1.3M total interest expense against $1.4M.
$4.3M net interest income against $4.4M.
$352K total noninterest income against $359K; $2.9M total noninterest expense against $2.9M.
$40K provision for credit losses against $160K.
$1.8M net income against $1.8M.
1.87% return on assets against 1.87%; 4.93% net interest margin against 5.03%.
13.67% tier 1 leverage ratio against 13.17%.
Inside the full Georgia Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGeorgia Community Bank rankings
Its closest position to the top of a national ranking is 649 of 3,611, for ROA; its furthest is 1,857 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.57% (Q1 2025) to 2.11% (Q4 2024) and its net interest margin ran from 4.60% (Q1 2025) to 5.12% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.67% | 1.87% | 1.25% | 6.26% | 4.93% |
| Q1 2026 | 13.61% | 1.69% | 1.35% | 6.47% | 4.77% |
| Q4 2025 | 14.08% | 2.05% | 1.51% | 7.36% | 5.04% |
| Q3 2025 | 13.55% | 2.00% | 0.50% | 2.57% | 5.12% |
| Q2 2025 | 13.17% | 1.87% | 0.61% | 3.44% | 5.03% |
| Q1 2025 | 13.02% | 1.57% | 0.81% | 4.41% | 4.60% |
| Q4 2024 | 12.84% | 2.11% | 0.26% | 1.41% | 4.71% |
| Q3 2024 | 12.84% | 1.64% | 0.36% | 2.04% | 4.74% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Albany Branch | Dawson , GA | 39842 | $127.2M |
| Seminole County Branch | Donalsonville , GA | 39845 | $56.9M |
| Taylor County Branch | Reynolds , GA | 31076 | $42.4M |
| Leesburg Branch | Albany , GA | 31701 | $40.3M |
| The Citizens State Bank of Crawford County | Roberta , GA | 31078 | $30.1M |
| 412 Columbia St Branch | Blakely , GA | 39823 | $17.8M |
| Georgia Community Bank (main office) | Albany , GA | 31707 | $6.9M |
| Drive-In Branch | Dawson , GA | 39842 | $0 |
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 |
|---|---|---|---|
| December 9, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 9, 2019 | Structure Change | Acquired Commercial State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 21, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2019 | Structure Change | Acquired The Citizens State Bank of Taylor County 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.
- Enforcement actions
- 2 against the institution (OCC (former OTS))
- March 1, 2005, OCC (former OTS): Prompt Corrective Action: Georgia Community Bank
- April 27, 2004, OCC (former OTS): Supervisory Agreement: Georgia Community Bank
- Period: Most recent institution action March 1, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 79 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 372 applications, 361 loans originated, $36.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $296K approved, $296K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Community Bank
What are Georgia Community Bank's total assets?
As of the Q2 2026 filing, Georgia Community Bank reported total assets of $375.0 million in its FFIEC call report.
Where is Georgia Community Bank headquartered?
It is headquartered in Albany, GA, United States.
When was Georgia Community Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Georgia Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35320). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Georgia Community Bank?
Georgia Community Bank's primary federal regulator is the FDIC.
How many branches does Georgia Community Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Georgia Community Bank's Texas Ratio?
Its Texas Ratio is 6.26% 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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