Georgia Banking Company
Georgia Banking Company reported total assets of $3.3 bn at Q2 2026, up 25.8% on a year earlier, the 390th largest of 497 banks in our US coverage. The CET1 capital ratio at Georgia Banking Company was 11.83%, and the uninsured share of Georgia Banking Company was 44.10%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Georgia Banking Company climbed from 467th to 352nd among 448 US banks between and (1 = highest; FDIC Call Reports).
- Since , Georgia Banking Company has taken over 2 institutions; the latest was Tandem Bank on (FDIC Call Reports).
- Over the year to , the total deposits of Georgia Banking Company rose by 37.9% to $2.9 bn, a bigger rise than at 96% of covered banks (FDIC Call Reports).
What sets Georgia Banking Company apart
How large is Georgia Banking Company?
The balance sheet of Georgia Banking Company at : assets $3.3 bn, deposits $2.9 bn, net loans $2.6 bn (loans equal to 88.99% of deposits). Securities make up 3.8% of total assets at Georgia Banking Company. Since , when Georgia Banking Company held $371.6 mn, its assets grew 777.1%. In the year to , deposits at Georgia Banking Company rose 37.9% while its total assets rose 25.8%. At , Georgia Banking Company employed 275 full-time equivalent staff across 10 offices, about $11.9 mn of assets per employee and $287.7 mn of deposits per office.
How much funding at Georgia Banking Company is uninsured?
At Georgia Banking Company, uninsured deposits (above the FDIC limit) made up 44.10% of domestic deposits at (-2.82 pp on a year earlier); Georgia Banking Company ranks 148th of 500 on this measure. In dollars, Georgia Banking Company estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.9 bn | +37.9% | 369th of 499 |
| Net loans and leases | $2.6 bn | +15.4% | 358th of 500 |
| Loan-to-deposit ratio | 88.99% | -17.41 pp | 211th of 500 |
| Tier 1 leverage ratio | 10.78% | +1.45 pp | 197th of 500 |
| Total risk-based capital ratio | 13.05% | +1.48 pp | 355th of 448 |
| Net interest margin | 4.21% | +0.00 pp | 96th of 500 |
| Return on assets (ROA) | 1.05% | +0.36 pp | 362nd of 500 |
| Efficiency ratio | 64.03% | -8.51 pp | 384th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $697,000 | Narrowed by $82,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $3.5 mn | Narrowed by $204,000 | |
| Noncurrent loans to total loans | 0.67% | +0.13 pp | 274th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.08% | +0.08 pp | 242nd of 500 (1 = lowest) |
US rank of Georgia Banking Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Georgia Banking Company: assets, deposits and loans
- Total assets $3.3bn
- Deposits $2.9bn
- Net loans $2.6bn
Capital and securities
The CET1 ratio of Georgia Banking Company stood at 11.83% in , +1.42 pp year on year. Low and high at Georgia Banking Company since : 9.83% () to 26.19% (). Equity capital of Georgia Banking Company at : $317.2 mn, or 9.7% of total assets. Georgia Banking Company also reported a total capital ratio of 13.05% for , and a tier 1 leverage ratio of 10.78%.
On held-to-maturity securities, Georgia Banking Company carried an unrealized loss of $697,000 at , equal to 0.2% of equity capital. The loss narrowed by $82,000 over the year. Its deepest point: $930,000 in . The available-for-sale portfolio of Georgia Banking Company showed an unrealized loss of $3.5 mn at ; the loss narrowed by $204,000 over the year.
Georgia Banking Company: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 11%
Georgia Banking Company: unrealized securities gains and losses
- Available for sale -$4mn
- Held to maturity -$697,000
Profitability and loan quality
For the year to , Georgia Banking Company earned a return on equity of 10.81%; return on assets: 1.05%. Net interest margin at Georgia Banking Company: 4.21%, +0.00 pp in a year. Georgia Banking Company net income: $15.2 mn, up 79.8% year on year. The efficiency ratio of Georgia Banking Company was 64.03%: about 64 cents cost per revenue dollar, against 71 cents at the median peer.
At , noncurrent loans were 0.67% of total loans at Georgia Banking Company; net charge-offs: 0.08% of average loans. Gross loans and leases at Georgia Banking Company: $2.6 bn, up 15.4% in a year.
Georgia Banking Company: profitability
- Return on equity 11%
- Net interest margin 4.2%
- Return on assets 1.1%
Peer group of Georgia Banking Company
The peer group of Georgia Banking Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of Georgia Banking Company (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Georgia. Against them, Georgia Banking Company shows CET1 ratio 11.83% against a peer median of 14.14%, return on equity 10.81% against a peer median of 9.93% and uninsured deposit share 44.10% against a peer median of 43.43%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| WestStar Bank | State member bank | TX | $3.3 bn | 13.13% | 19.53% | 61.03% | |
| Stearns Bank | National bank | MN | $3.3 bn | 15.39% | 12.78% | 15.89% | |
| Bristol County Savings Bank | State nonmember bank | MA | $3.3 bn | 17.84% | 4.27% | 35.78% | |
| Georgia Banking Company | State nonmember bank | GA | $3.3 bn | 11.83% | 10.81% | 44.10% | |
| First Western Trust Bank | State nonmember bank | CO | $3.2 bn | 11.37% | 8.59% | 40.05% | |
| Bank of Guam | State nonmember bank | GU | $3.2 bn | 14.01% | 8.71% | 95.89% | |
| STAR Financial Bank | State nonmember bank | IN | $3.2 bn | 14.27% | 11.15% | 46.80% | |
. FDIC Call Reports.
Last eight quarters
Two years at Georgia Banking Company, to : assets +56.4%, deposits +71.8%, equity +88.4%. Staff 188 to 275; offices 7 to 10.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.1 bn | $2.3 bn | $2.5 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.7 bn | $3.3 bn |
| Total deposits | $1.7 bn | $1.9 bn | $2.0 bn | $2.1 bn | $2.2 bn | $2.4 bn | $2.2 bn | $2.9 bn |
| Bank equity capital | $168.4 mn | $172.3 mn | $231.9 mn | $239.9 mn | $249.2 mn | $258.0 mn | $266.0 mn | $317.2 mn |
| CET1 ratio | 9.83% | 9.98% | 10.72% | 10.41% | 10.91% | 11.52% | 11.54% | 11.83% |
| Return on equity (ROE) | 5.30% | 6.82% | 0.81% | 7.86% | 9.91% | 10.93% | 12.83% | 10.81% |
| Uninsured share of domestic deposits | 38.34% | 42.82% | 50.99% | 46.92% | 45.39% | 46.18% | 46.87% | 44.10% |
| Full-time equivalent employees | 188 | 189 | 218 | 228 | 231 | 229 | 240 | 275 |
| Number of offices | 7 | 7 | 9 | 9 | 9 | 9 | 9 | 10 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Georgia Banking Company, oldest first; figures before and after each event are not like for like.
- . Absorbed Georgia Primary Bank (FDIC certificate 58523).
- . Absorbed Tandem Bank (FDIC certificate 59178).
Large one-quarter moves at Georgia Banking Company
- Total assets at Georgia Banking Company changed by +26.6% in the quarter to 2016-06-30, with no FDIC structure event in that quarter.
- Total assets at Georgia Banking Company changed by +39.7% in the quarter to 2020-03-31, with no FDIC structure event in that quarter.
- Total assets at Georgia Banking Company changed by +36.5% in the quarter to 2021-09-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Georgia Banking Company?
Georgia Banking Company reported $3.3 bn at in its Call Report. That makes Georgia Banking Company the 390th largest of 497 banks in our US coverage.
Is Georgia Banking Company the same as its holding company?
No. This page covers Georgia Banking Company, FDIC certificate 57071; GEORGIA BANKING CO INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Georgia Banking Company profitable?
Georgia Banking Company reported net income of $15.2 mn for the year to ; annualized return on equity: 10.81%. So yes: Georgia Banking Company made a profit over these months.
When is data for Georgia Banking Company next updated?
Figures from Georgia Banking Company for are due after .
Where can I check the figures for Georgia Banking Company?
In the FDIC BankFind Suite record for certificate 57071, and in the Call Reports of Georgia Banking Company (RSSD ID 3016347) at the FFIEC Central Data Repository.