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Rabun County Bank
Clayton, GA · FDIC Certificate #22138 · Chartered 10/1
Total assets
$361.51M
Total deposits
$321.27M
Total equity
$37.43M
Net loans
$230.66M
Branches (offices)
4
Net income (YTD)
$2.99M
Rank: #2,193 of 4,213 U.S. banks by assets · #57 of 123 in Georgia. Assets changed 5.4% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.64% |
| Return on equity | 15.96% |
| Net interest margin (YTD) | 4.09% |
| Equity to assets | 10.35% |
| Tier 1 leverage ratio | 10.49% |
| Uninsured deposits (share of deposits) | 16.5% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 71.8% |
| Real estate loans (share of loans) | 90.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $209.27M | 90.7% | |
| Commercial & industrial | $10.55M | 4.6% | |
| Consumer / individual | $12.70M | 5.5% | |
| Construction & development | $39.94M | 17.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $264.37M | $236.60M | $1.04M | $27.19M |
| Jun 2023 | $275.33M | $245.00M | $2.42M | $29.19M |
| Jun 2024 | $304.92M | $268.92M | $2.53M | $34.11M |
| Jun 2025 | $342.87M | $303.17M | $2.36M | $36.83M |
| Jun 2026 | $361.51M | $321.27M | $2.99M | $37.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $321.27M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $321.27M.
Similar-sized banks
Shell Lake State Bank ($361.81M) · First National Bank In Port Lavaca ($361.33M)
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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