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Great Oaks Bank
Richmond Hill, GA · FDIC Certificate #16780 · Chartered 01/0
Total assets
$422.02M
Total deposits
$374.42M
Total equity
$40.96M
Net loans
$274.22M
Branches (offices)
6
Net income (YTD)
$2.95M
Rank: #1,988 of 4,213 U.S. banks by assets · #47 of 123 in Georgia. Assets changed 6.7% and deposits 4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 14.74% |
| Net interest margin (YTD) | 4.52% |
| Equity to assets | 9.71% |
| Tier 1 leverage ratio | 10.25% |
| Uninsured deposits (share of deposits) | 27.4% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 73.2% |
| Real estate loans (share of loans) | 87.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $239.68M | 87.4% | |
| Commercial & industrial | $24.87M | 9.1% | |
| Consumer / individual | $11.39M | 4.2% | |
| Construction & development | $27.30M | 10.0% | |
| Agricultural | $609.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $292.19M | $267.14M | $1.27M | $23.97M |
| Jun 2023 | $330.57M | $301.99M | $1.95M | $24.62M |
| Jun 2024 | $381.95M | $347.60M | $2.76M | $29.19M |
| Jun 2025 | $395.65M | $358.07M | $3.13M | $31.92M |
| Jun 2026 | $422.02M | $374.42M | $2.95M | $40.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $374.42M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $374.42M.
Similar-sized banks
My Kind Of Bank, National Association ($422.56M) · Cattle Bank And Trust ($421.93M)
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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