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Georgia Community Bank
Albany, GA · FDIC Certificate #35320 · Chartered 08/3
Total assets
$374.99M
Total deposits
$321.65M
Total equity
$50.25M
Net loans
$252.22M
Branches (offices)
8
Net income (YTD)
$3.43M
Rank: #2,158 of 4,213 U.S. banks by assets · #55 of 123 in Georgia. Assets changed 0.3% and deposits -0.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.80% |
| Return on equity | 13.56% |
| Net interest margin (YTD) | 4.92% |
| Equity to assets | 13.40% |
| Tier 1 leverage ratio | 13.67% |
| Uninsured deposits (share of deposits) | 27.9% |
| Noncurrent loans (share of loans) | 1.25% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 78.4% |
| Real estate loans (share of loans) | 80.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $201.73M | 80.0% | |
| Commercial & industrial | $26.07M | 10.3% | |
| Consumer / individual | $8.75M | 3.5% | |
| Construction & development | $13.12M | 5.2% | |
| Agricultural | $16.99M | 6.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $391.93M | $349.29M | $2.01M | $38.48M |
| Jun 2023 | $380.80M | $338.44M | $2.55M | $40.51M |
| Jun 2024 | $370.39M | $324.47M | $2.51M | $43.31M |
| Jun 2025 | $373.87M | $324.32M | $3.30M | $46.75M |
| Jun 2026 | $374.99M | $321.65M | $3.43M | $50.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $321.65M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $321.65M.
Similar-sized banks
Tower Community Bank ($375.44M) · Community First National Bank ($374.68M)
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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