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Georgia Banking Company
Atlanta, GA · FDIC Certificate #57071 · Chartered 11/0
Total assets
$3.26B
Total deposits
$2.88B
Total equity
$317.18M
Net loans
$2.56B
Branches (offices)
10
Net income (YTD)
$15.16M
Rank: #396 of 4,213 U.S. banks by assets · #6 of 123 in Georgia. Assets changed 25.8% and deposits 37.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 10.81% |
| Net interest margin (YTD) | 4.21% |
| Equity to assets | 9.73% |
| Tier 1 leverage ratio | 10.78% |
| Uninsured deposits (share of deposits) | 44.1% |
| Noncurrent loans (share of loans) | 0.67% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 89.0% |
| Real estate loans (share of loans) | 81.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.08B | 81.2% | |
| Commercial & industrial | $386.37M | 15.1% | |
| Consumer / individual | $54.84M | 2.1% | |
| Construction & development | $269.65M | 10.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.32B | $1.19B | -$301.00K | $121.76M |
| Jun 2023 | $1.58B | $1.35B | $9.10M | $146.14M |
| Jun 2024 | $1.84B | $1.54B | $2.67M | $157.22M |
| Jun 2025 | $2.59B | $2.09B | $8.43M | $239.89M |
| Jun 2026 | $3.26B | $2.88B | $15.16M | $317.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $2.88B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.88B.
Similar-sized banks
Bristol County Savings Bank ($3.26B) · First Western Trust Bank ($3.24B)
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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