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Pineland Bank
Alma, GA · FDIC Certificate #15699 · Chartered 10/0
Total assets
$597.07M
Total deposits
$532.63M
Total equity
$60.35M
Net loans
$416.35M
Branches (offices)
9
Net income (YTD)
$4.81M
Rank: #1,562 of 4,213 U.S. banks by assets · #30 of 123 in Georgia. Assets changed 3.1% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.66% |
| Return on equity | 16.53% |
| Net interest margin (YTD) | 5.15% |
| Equity to assets | 10.11% |
| Tier 1 leverage ratio | 10.48% |
| Uninsured deposits (share of deposits) | 26.3% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 78.2% |
| Real estate loans (share of loans) | 87.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $365.50M | 87.8% | |
| Commercial & industrial | $37.62M | 9.0% | |
| Consumer / individual | $8.67M | 2.1% | |
| Construction & development | $45.29M | 10.9% | |
| Agricultural | $2.60M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $424.00M | $386.08M | $1.61M | $35.85M |
| Jun 2023 | $423.33M | $379.94M | $3.30M | $40.06M |
| Jun 2024 | $482.99M | $433.00M | $3.11M | $45.28M |
| Jun 2025 | $578.92M | $521.86M | $4.14M | $52.14M |
| Jun 2026 | $597.07M | $532.63M | $4.81M | $60.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $486.58M | 8 |
| Florida | $46.05M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $532.63M.
Similar-sized banks
The Falls City National Bank ($597.11M) · Unison Bank ($596.86M)
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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