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Bank Of Hancock County
Sparta, GA · FDIC Certificate #10057 · Chartered 09/0
Total assets
$85.21M
Total deposits
$71.35M
Total equity
$13.65M
Net loans
$16.79M
Branches (offices)
1
Net income (YTD)
$196.00K
Rank: #3,793 of 4,213 U.S. banks by assets · #115 of 123 in Georgia. Assets changed 2.8% and deposits 0.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.46% |
| Return on equity | 2.89% |
| Net interest margin (YTD) | 3.42% |
| Equity to assets | 16.02% |
| Tier 1 leverage ratio | 20.15% |
| Uninsured deposits (share of deposits) | 7.1% |
| Noncurrent loans (share of loans) | 0.82% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 23.5% |
| Real estate loans (share of loans) | 46.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $7.77M | 46.3% | |
| Commercial & industrial | $3.06M | 18.2% | |
| Consumer / individual | $5.53M | 32.9% | |
| Construction & development | $492.00K | 2.9% | |
| Agricultural | $72.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $84.23M | $73.04M | $235.00K | $11.06M |
| Jun 2023 | $78.96M | $67.56M | $306.00K | $11.25M |
| Jun 2024 | $78.38M | $66.02M | $155.00K | $12.12M |
| Jun 2025 | $82.89M | $70.81M | $182.00K | $11.89M |
| Jun 2026 | $85.21M | $71.35M | $196.00K | $13.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $71.35M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $71.35M.
Similar-sized banks
Bank Of Maple Plain ($85.52M) · First Security Bank - Canby ($85.16M)
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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