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Bank Of Alapaha
Alapaha, GA · FDIC Certificate #155 · Chartered 03/2
Total assets
$250.97M
Total deposits
$229.97M
Total equity
$19.35M
Net loans
$123.73M
Branches (offices)
4
Net income (YTD)
$818.00K
Rank: #2,707 of 4,213 U.S. banks by assets · #79 of 123 in Georgia. Assets changed 5.7% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.65% |
| Return on equity | 8.56% |
| Net interest margin (YTD) | 3.44% |
| Equity to assets | 7.71% |
| Tier 1 leverage ratio | 10.23% |
| Uninsured deposits (share of deposits) | 29.7% |
| Noncurrent loans (share of loans) | 0.34% |
| Net charge-offs (share of loans) | -0.11% |
| Loans to deposits | 53.8% |
| Real estate loans (share of loans) | 57.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $70.76M | 57.2% | |
| Commercial & industrial | $30.98M | 25.0% | |
| Consumer / individual | $6.00M | 4.8% | |
| Construction & development | $1.46M | 1.2% | |
| Agricultural | $18.98M | 15.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $230.62M | $217.32M | $924.00K | $12.48M |
| Jun 2023 | $220.44M | $205.31M | $887.00K | $13.63M |
| Jun 2024 | $219.75M | $203.16M | $595.00K | $15.07M |
| Jun 2025 | $237.48M | $218.74M | $868.00K | $16.98M |
| Jun 2026 | $250.97M | $229.97M | $818.00K | $19.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $229.97M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $229.97M.
Similar-sized banks
Auburn State Bank ($251.33M) · First National Bank Of Burleson ($250.84M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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