Great Oaks Bank
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Data as of · sourced from FFIEC call reports. How we update
Great Oaks Bank is an FDIC-insured commercial bank headquartered in Richmond Hill, GA, established in 1934 (FDIC certificate 16780), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $422.0M, up 6.7% from Q2 2025, the 47th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 13.78% 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
- 16780
- Headquarters
- Richmond Hill, GA
- Established
- 1934
- Total assets, Q2 2026
- $422.0M
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 13.78%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 061211430
- Latest call report
- Q2 2026, FFIEC 051 · Great Oaks Bank call report
- Holding company
- GREAT OAKS FINANCIAL HOLDINGS INC
- Asset rank in state
- 47th of 121 in Georgia
Great Oaks Bank leans heavily on commercial real estate. Its balance sheet stood at $422 million at June 30, 2026, up 6.7% from a year earlier; it is based in Richmond Hill, Georgia. It holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 4.45 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $2.2 million equal 5% of Tier 1 capital, down from 12% a year earlier.
As of June 30, 2026, Great Oaks Bank reported a CET1 capital ratio of 13.78%, a return on assets of 1.46%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Great Oaks Bank is the 47th largest of the 121 banks headquartered in Georgia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $422.0M, loans fell 2.8% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 30.1% of total loans, ahead of 1-4 family residential loans at 25.4%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in GA; its Eastman office books 32% of its branch deposits. By the capital ratios in its Q2 2026 call report, Great Oaks Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 42 Town Center Dr, Richmond Hill, GA 31324
- County
- Bryan
- Metro Area
- Savannah, 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
- January 1, 1934
- Former names
- Citizens Bank & Trust Company (1974-2020); Citizens Bank & Trust Co. (1965-1966)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $374.4M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- -$13K
- Average total assets
- $422.5M
- Average total loans
- $280.2M
- Average interest-bearing deposits
- $284.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 1, 1949
- FDIC Cert
- 16780
- Fed RSSD
- 364131
- SEC CIK
- 1532395 → filed by GREAT OAKS FINANCIAL HOLDINGS INC
- Website
- www.greatoaks.bank →
- Parent Holding Company
- GREAT OAKS FINANCIAL HOLDINGS INC (RSSD 1129805)
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, Great Oaks Bank's total assets ran between $321.2M (Q3 2023) and $423.6M (Q1 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
$422.0M total assets against $395.6M; $381.1M total liabilities against $363.7M.
$274.2M net loans and leases against $264.7M; $374.4M total deposits against $358.1M.
$95.5M securities against $75.5M; $35.5M cash and balances due against $40.5M.
$6.1M total interest income against $5.9M; $1.7M total interest expense against $1.6M.
$4.4M net interest income against $4.3M.
$469K total noninterest income against $487K; $3.4M total noninterest expense against $3.0M.
$0 provision for credit losses against $152K.
$1.5M net income against $1.7M.
1.46% return on assets against 1.73%; 4.45% net interest margin against 4.59%.
13.78% CET1 capital ratio against 13.28%; 10.25% tier 1 leverage ratio against 9.45%.
Inside the full Great Oaks Bank 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.
Great Oaks Bank rankings
Its closest position to the top of a national ranking is 1,397 of 3,611, for ROA; its furthest is 2,881 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.37% (Q1 2026) to 1.73% (Q2 2025) and its net interest margin ran from 4.15% (Q3 2024) to 4.70% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.78% | 1.46% | 0.10% | 0.65% | 4.45% |
| Q1 2026 | 13.41% | 1.37% | 0.03% | 0.18% | 4.56% |
| Q4 2025 | 14.25% | 1.56% | 0.01% | 0.37% | 4.70% |
| Q3 2025 | 12.76% | 1.60% | 0.00% | 0.55% | 4.64% |
| Q2 2025 | 13.28% | 1.73% | 0.04% | 0.85% | 4.59% |
| Q1 2025 | 11.95% | 1.55% | 0.04% | 0.85% | 4.46% |
| Q4 2024 | 12.29% | 1.39% | 0.04% | 0.91% | 4.21% |
| Q3 2024 | 12.29% | 1.42% | 0.14% | 0.99% | 4.15% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Eastman Branch | Eastman , GA | 31023 | $121.0M |
| Great Oaks Bank (main office) | Richmond Hill , GA | 31324 | $107.2M |
| Savannah Quarters Branch | Pooler , GA | 31322 | $54.1M |
| Rhine Branch | Rhine , GA | 31077 | $41.8M |
| Cochran Branch | Cochran , GA | 31014 | $27.6M |
| Savannah Southside Branch | Savannah , GA | 31406 | $22.7M |
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 |
|---|---|---|---|
| February 2, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 2, 1987 | Structure Change | Acquired Williams Banking Company 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in GA, rank 68 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 99 applications, 65 loans originated, $23.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $92K approved, $92K 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, 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 Great Oaks Bank
What are Great Oaks Bank's total assets?
As of the Q2 2026 filing, Great Oaks Bank reported total assets of $422.0 million in its FFIEC call report.
Where is Great Oaks Bank headquartered?
It is headquartered in Richmond Hill, GA, United States.
When was Great Oaks Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Great Oaks Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16780). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Great Oaks Bank?
Great Oaks Bank's primary federal regulator is the FDIC.
What is Great Oaks Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.78% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Great Oaks Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Great Oaks Bank's Texas Ratio?
Its Texas Ratio is 0.65% 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 Great Oaks Bank previously called?
The charter now named Great Oaks Bank has also operated as Citizens Bank & Trust Company (1974-2020), Citizens Bank & Trust Co. (1965-1966), per FDIC structure-change records.
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