Rabun County Bank
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Data as of · sourced from FFIEC call reports. How we update
Rabun County Bank is an FDIC-insured commercial bank headquartered in Clayton, GA, established in 1975 (FDIC certificate 22138), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $361.5M, up 5.4% from Q2 2025, the 57th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.49% 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
- 22138
- Headquarters
- Clayton, GA
- Established
- 1975
- Total assets, Q2 2026
- $361.5M
- Assets vs Q2 2025
- +5.4%
- Tier 1 leverage ratio, Q2 2026
- 10.49%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 061102662
- Holding company
- LIBERTY BANCORP OF GEORGIA, INC.
- Asset rank in state
- 57th of 121 in Georgia
Rabun County Bank runs leaner than most banks of its size. Its balance sheet stood at $362 million at June 30, 2026, up 5.4% from a year earlier; it is based in Clayton, Georgia. It spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $2.00 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Earnings jumped: net income for the quarter was $1.8 million, 36% above the same quarter a year earlier. Over the same year, loans grew 11.9% and deposits grew 6.0%.
As of June 30, 2026, Rabun County Bank reported a return on assets of 2.00%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.30%. The figures come from its call report filed with the FFIEC.
Rabun County Bank ranks as the 57th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $361.5M, loans rose 6.9% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 43.4% of total loans, ahead of construction and land development loans at 17.1%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in GA; its Clayton office books 55% of its branch deposits. On its Q2 2026 call report, Rabun County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 121 Rickman St, Clayton, GA 30525
- County
- Rabun
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 10, 1975
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $321.3M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $358.2M
- Average total loans
- $226.9M
- Average interest-bearing deposits
- $223.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 10, 1975
- FDIC Cert
- 22138
- Fed RSSD
- 514936
- SEC CIK
- 1565377 → filed by LIBERTY BANCORP OF GEORGIA, INC.
- Website
- www.rabuncountybank.com →
- Parent Holding Company
- LIBERTY BANCORP OF GEORGIA, INC. (RSSD 1085228)
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, Rabun County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Rabun County Bank's total assets moved between a low of $278.0M (Q3 2023) and a high of $366.2M (Q4 2025) 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
$361.5M total assets against $342.9M; $324.1M total liabilities against $306.0M.
$230.7M net loans and leases against $206.0M; $321.3M total deposits against $303.2M.
$12.3M securities against $8.6M; $102.9M cash and balances due against $112.1M.
$5.1M total interest income against $4.8M; $1.4M total interest expense against $1.5M.
$3.7M net interest income against $3.3M.
$970K total noninterest income against $551K; $2.2M total noninterest expense against $2.1M.
$103K provision for credit losses against $8K.
$1.8M net income against $1.3M.
2.00% return on assets against 1.56%; 4.31% net interest margin against 4.09%.
10.49% tier 1 leverage ratio against 11.00%.
Inside the full Rabun County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRabun County Bank rankings
Its closest position to the top of a national ranking is 485 of 3,611, for ROA; its furthest is 3,088 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.26% (Q1 2025) to 2.00% (Q2 2026) and its net interest margin ran from 3.72% (Q1 2025) to 4.31% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.49% | 2.00% | 0.05% | 0.30% | 4.31% |
| Q1 2026 | 10.58% | 1.33% | 0.10% | 1.51% | 3.90% |
| Q4 2025 | 10.22% | 1.48% | 0.09% | 1.49% | 4.13% |
| Q3 2025 | 10.25% | 1.34% | 0.07% | 1.42% | 3.96% |
| Q2 2025 | 11.00% | 1.56% | 0.08% | 1.42% | 4.09% |
| Q1 2025 | 10.74% | 1.26% | 0.08% | 2.56% | 3.72% |
| Q4 2024 | 10.34% | 1.62% | 0.21% | 3.31% | 4.05% |
| Q3 2024 | 10.59% | 1.55% | 0.07% | 2.66% | 4.03% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Rabun County Bank (main office) | Clayton , GA | 30525 | $177.3M |
| Traditions Bank | Cornelia , GA | 30531 | $81.5M |
| North Rabun Branch | Dillard , GA | 30537 | $42.5M |
| Clarkesville Branch | Clarkesville , GA | 30523 | $20.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- October 30, 2012, Federal Reserve: Written Agreement: Liberty Bancorp of Georgia, Inc., Clayton, Georgia
- Period: Most recent institution action October 30, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 81 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $144K approved, $144K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Rabun County Bank
What are Rabun County Bank's total assets?
As of the Q2 2026 filing, Rabun County Bank reported total assets of $361.5 million in its FFIEC call report.
Where is Rabun County Bank headquartered?
It is headquartered in Clayton, GA, United States.
When was Rabun County Bank founded?
It was established in 1975, per the FDIC institution directory.
Is Rabun County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22138). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rabun County Bank?
Rabun County Bank's primary federal regulator is the FDIC.
How many branches does Rabun County Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Rabun County Bank's Texas Ratio?
Its Texas Ratio is 0.30% 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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