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Tandem Bank

TUCKER, GASmallEst. Sep 23, 2019FDIC #59178RSSD #5401273FDIC
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Tandem Bank is a locally rooted FDIC-insured community bank based in Tucker, GA, during the regulatory-tailoring period. Total assets stand at $316M. Returns are in line with industry norms at 0.98% ROA and 8.38% ROE; net interest margin is 3.84%. Capital cushions are healthy: 15.22% CET1, 11.98% Tier 1 leverage. Asset quality is pristine — 0.24% NPLs and a 1.37% Texas Ratio. The bank operates from a single office.

Headquarters Profile

Address
2356 Main St, TUCKER, GA 30084
County
Dekalb
Metro Area
ATLANTA-SANDY SPRINGS-ROSWELL, GA
Charter
Commercial bank, state charter, Fed non-member, FDIC-supervised
Primary Regulator
FDIC
Fed District
5
Established
September 23, 2019
Branches
1 domestic
Employees (FTE)
30
FDIC Cert
59178
Fed RSSD
5401273
Assets
$316M
Deposits
$253M
Loans
$226M
Equity
$37M

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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.

QuarterCET1ROANPLTexasNIM
2026-03-3115.22%0.98%0.24%1.37%3.84%
2025-12-3115.28%1.27%0.24%1.41%4.08%
2025-09-3015.82%1.06%0.26%1.47%4.22%
2025-06-3012.60%0.84%0.22%1.59%4.17%
2025-03-3114.09%0.70%0.00%0.01%3.83%
2024-12-3114.33%1.03%0.74%4.65%3.93%

Branch Network

Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.

BranchLocationZIPDeposits
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Frequently asked about Tandem Bank

What are Tandem Bank's total assets?

As of the Q1 2026 filing, Tandem Bank reported total assets of $315.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.

Where is Tandem Bank headquartered?

Tandem Bank is headquartered in TUCKER, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.

When was Tandem Bank founded?

Tandem Bank was established in 2019, per the FDIC institution directory.

Is Tandem Bank FDIC-insured?

Yes. Tandem Bank is an FDIC-insured commercial bank (FDIC Certificate #59178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates Tandem Bank?

Tandem Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.

What is Tandem Bank's CET1 capital ratio?

Tandem Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.22% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.

How many branches does Tandem Bank operate?

Tandem Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.

What is Tandem Bank's Texas Ratio?

Tandem Bank's Texas Ratio is 1.37% — 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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