Georgia Community Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Georgia Community Bank is a locally rooted FDIC-insured community bank based in Albany, GA. On its most recent Q2 2026 call report, Georgia Community reported $375M in total assets against $322M in deposits. The bank posts a strong 1.87% ROA and 14.11% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.67% exceeds the CBLR threshold. Credit conditions bear watching: 1.67% NPL ratio with a 8.34% Texas Ratio (elevated but below the 100% concern level). It operates 8 branches, primarily in Georgia.
As of June 30, 2026, Georgia Community Bank reported a Tier 1 leverage ratio of 13.67%, a return on assets of 1.87%, a nonperforming-loan ratio of 1.67%, a Texas ratio of 8.34%, per financial data filed with the FFIEC.
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
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 31, 1999
- Offices
- 8 domestic
- Employees (FTE)
- 78
- Domestic deposits
- $321.7M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $117K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 31, 1999
- FDIC Cert
- 35320
- Fed RSSD
- 2823221
- Website
- www.gcb.bank →
- Parent Holding Company
- GEORGIA COMMUNITY BANCORP, INCORPORATED (RSSD 1245581)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Georgia Community Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Georgia Community Bank, freeGeorgia Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.67% | 1.87% | 1.67% | 8.34% | 4.93% |
| Q1 2026 | 13.61% | 1.69% | 1.67% | 7.95% | 4.77% |
| Q4 2025 | 14.08% | 2.05% | 1.82% | 8.86% | 5.04% |
| Q3 2025 | 13.55% | 2.00% | 0.86% | 4.43% | 5.12% |
| Q2 2025 | 13.17% | 1.87% | 0.95% | 5.33% | 5.03% |
| Q1 2025 | 13.02% | 1.57% | 1.47% | 8.05% | 4.60% |
| Q4 2024 | 12.84% | 2.11% | 0.84% | 4.59% | 4.71% |
| Q3 2024 | 12.84% | 1.64% | 0.91% | 5.12% | 4.74% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Albany Branch | Dawson , GA | 39842 | $127.2M |
| Seminole County Branch | Donalsonville , GA | 39845 | $56.9M |
| Taylor County Branch | Reynolds , GA | 31076 | $42.4M |
| Leesburg Branch | Albany , GA | 31701 | $40.3M |
| The Citizens State Bank of Crawford County | Roberta , GA | 31078 | $30.1M |
| 412 Columbia St Branch | Blakely , GA | 39823 | $17.8M |
| Georgia Community Bank (main office) | Albany , GA | 31707 | $6.9M |
| Drive-In Branch | Dawson , GA | 39842 | $0 |
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 |
|---|---|---|---|
| December 9, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 9, 2019 | Structure Change | Acquired Commercial State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 21, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2019 | Structure Change | Acquired The Citizens State Bank of Taylor County 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 4 events.
Regulatory record
What the public regulatory sources show for Georgia Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC (former OTS))
- March 1, 2005, OCC (former OTS): Prompt Corrective Action: Georgia Community Bank
- April 27, 2004, OCC (former OTS): Supervisory Agreement: Georgia Community Bank
- Period: Most recent institution action March 1, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 79 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 372 applications, 361 loans originated, $36.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Georgia Community Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Georgia Community Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Georgia Community Bank
What are Georgia Community Bank's total assets?
As of the Q2 2026 filing, Georgia Community Bank reported total assets of $375.0 million in its 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 offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Georgia Community Bank's Texas Ratio?
Georgia Community Bank's Texas Ratio is 8.34% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Georgia Community Bank.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Georgia Community Bank, freeFree account