— Financials & Key Ratios
Data as of · sourced from FFIEC call reports. How we update
the bank is an FDIC-insured commercial bank. On its most recent Q1 2026 call report, the bank reported $24M in total assets against $21M in deposits. The bank reported a loss in the most recent quarter, with ROA at -1.87% and ROE at -15.60%. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.22% exceeds the 9% CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.00%. 2 branches make up the footprint.
Headquarters Profile
- Branches
- 2 domestic
- Employees (FTE)
- 12
- Fed RSSD
- 959630
Profitability
Capital & Liquidity
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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 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2026-03-31 | — | -1.87% | 0.00% | 3.13% | 4.67% |
| 2025-12-31 | — | -1.83% | 0.00% | 2.80% | 4.99% |
| 2025-09-30 | — | -1.48% | 0.00% | 1.21% | 4.68% |
| 2025-06-30 | — | -1.92% | 0.00% | 1.95% | 4.93% |
| 2025-03-31 | — | -1.10% | 0.00% | 0.08% | 4.68% |
| 2024-12-31 | 15.27% | -0.53% | 0.00% | 0.00% | 4.97% |
| 2024-09-30 | 15.29% | -0.24% | 0.00% | 0.00% | 4.42% |
| 2024-06-30 | — | -0.13% | 0.00% | 0.00% | 4.69% |
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location. View all 2 branch locations →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank Of Lumber City | Lumber City , GA | 31549 | $15.8M |
| Telfair County Bank Branch | Mcrae Helena , GA | 31055 | $4.7M |
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
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