Georgia Community Bank
Georgia Community Bank is the primary bank subsidiary of its parent holding company, headquartered in Albany, GA. Georgia Community's Q1 2026 balance sheet shows $385M in assets funded primarily by $332M in customer deposits. Returns are notably above industry norms: 1.69% ROA, 12.99% ROE, and 4.77% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.61% exceeds the 9% CBLR threshold. Asset quality merits closer attention with NPLs at 1.67%. 8 branches make up the footprint.
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
- Fed District
- 5
- Established
- August 31, 1999
- Branches
- 8 domestic
- Employees (FTE)
- 78
- FDIC Cert
- 35320
- Fed RSSD
- 2823221
- Website
- www.gcb.bank →
- Parent Holding Company
- GEORGIA COMMUNITY BANCORP, INCORPORATED (RSSD 1245581)
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Georgia Community Bank 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
- 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 4 events.
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Frequently asked about Georgia Community Bank
What are Georgia Community Bank's total assets?
As of the Q1 2026 filing, Georgia Community Bank reported total assets of $384.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Georgia Community Bank headquartered?
Georgia Community Bank is headquartered in ALBANY, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Georgia Community Bank founded?
Georgia Community Bank was established in 1999, per the FDIC institution directory.
Is Georgia Community Bank FDIC-insured?
Yes. Georgia Community Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Georgia Community Bank operate?
Georgia Community Bank operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Georgia Community Bank's Texas Ratio?
Georgia Community Bank's Texas Ratio is 7.95% — 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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