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The Geo. D. Warthen Bank
Sandersville, GA · FDIC Certificate #2154 · Chartered 01/0
Total assets
$190.26M
Total deposits
$162.90M
Total equity
$24.58M
Net loans
$105.65M
Branches (offices)
1
Net income (YTD)
$1.09M
Rank: #3,046 of 4,213 U.S. banks by assets · #92 of 123 in Georgia. Assets changed -5.4% and deposits -6.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.10% |
| Return on equity | 8.87% |
| Net interest margin (YTD) | 5.85% |
| Equity to assets | 12.92% |
| Tier 1 leverage ratio | 13.01% |
| Uninsured deposits (share of deposits) | 25.7% |
| Noncurrent loans (share of loans) | 1.27% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 64.9% |
| Real estate loans (share of loans) | 72.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $76.20M | 72.1% | |
| Commercial & industrial | $15.31M | 14.5% | |
| Consumer / individual | $13.71M | 13.0% | |
| Construction & development | $6.25M | 5.9% | |
| Agricultural | $235.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $243.44M | $224.93M | $415.00K | $16.01M |
| Jun 2023 | $225.77M | $205.14M | $1.29M | $17.66M |
| Jun 2024 | $210.78M | $187.12M | $1.35M | $20.60M |
| Jun 2025 | $201.11M | $174.60M | $1.19M | $22.91M |
| Jun 2026 | $190.26M | $162.90M | $1.09M | $24.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $162.90M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $162.90M.
Similar-sized banks
Fowler State Bank ($190.33M) · Citizens Federal Savings Bank ($190.11M)
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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