# GEORGIA COMMUNITY BANK
ALBANY, GA · FDIC certificate 35320 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $375.0M | |
| Deposits | $321.7M | |
| Loans and leases | $255.4M | |
| Total equity | $50.2M | |
| Loans / deposits | 78.41% (p42 of band) | 82.04% |
| Liquid assets / assets | 26.95% (p56 of band) | |
| Uninsured deposits / deposits | 27.90% (p59 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.67% (p84 of band) | 10.81% |
| Unrealized securities loss / equity | -5.30% (p61 of band) | -8.10% |
| AOCI / equity | -0.27% (p54 of band) | |
| ROA (annualized) | 1.80% (p80 of band) | 1.28% |
| Net interest margin | 4.92% (p92 of band) | 3.91% |
| Efficiency ratio | 62.13% (p53 of band) | |
| Noncurrent loans | 1.25% (p78 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p79 of band) | |
| Reserve coverage of noncurrent | 100.88% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 26.11% (p32 of band) | |
| Auto loans | $2.4M (0.93% of loans; DQ 0.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 78 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 3 | deposits shrinking, assets shrinking |  |
| 2012-12 | 2 |  | deposits shrinking |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 1 |  | reserve under noncurrent, assets shrinking |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | reserve under noncurrent | charge-offs p90 |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2014-12 | 3 | losing money, charge-offs p90 |  |
| 2015-03 | 2 | noncurrent p90 | losing money, charge-offs p90 |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 2 | charge-offs p90 |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 2 | capital falling, reserve under noncurrent | charge-offs p90 |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 2 | charge-offs p90 |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | capital falling, charge-offs p90 |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | capital falling | charge-offs p90 |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | assets shrinking |  |
| 2022-12 | 0 |  | assets shrinking |
| 2023-03 | 2 | deposits shrinking, assets shrinking |  |
| 2023-06 | 0 |  | deposits shrinking, assets shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | deposits shrinking, assets shrinking |  |
| 2024-03 | 0 |  | deposits shrinking, assets shrinking |
| 2024-06 | 2 | capital falling, charge-offs p90 |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-16 [Fed hits Georgia bank over government lending expansion - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxNNzZEZXN6RFpCRW1XWlNDTHJJTExWUFRGMlBMUG85OFl1SEhaSV9HOURMRFZnWGtiMmQtemExWVFQOENncnJFdG5lVHhtU0d5dVk5QlR2X0N2QjhNNDNaeE9xZEJrM2ljbXRzTHRFREdQR1hRajAza0ZsQjRGSzFBNUo3dHJ4Um9lLUhNWE1vemZMU2FoOEE?oc=5) · American Banker
- 2026-04-17 [Fed hits Georgia bank over government lending expansion; IMF urges banks to share data to fight fraud; and more top stories in today's Bankers' Hours - LinkedIn](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbWs0NEJ2RDFRUGxlem0tMmpyUFBFd2RQV05HOEV4NDkxY3ZUNHR4Y29SYkd4dEE3WnNWZmhCemlxWGRJWlBUck9SNDdxcUJ5Q3k3WngwTTZva3N0ZU50Rko1VTFLU1RBN0NCZnBoSXdPWkhFVVFZclBrVGpub2FPV2RlM2dmRUNtbTBWLXY4NnBnMG9ndU9z?oc=5) · LinkedIn
- 2026-04-01 [Vallant Financial Completes Merger to Create Leading Georgia Community Bank - Business Wire](https://news.google.com/rss/articles/CBMizAFBVV95cUxNLWF1a1JVdGNyU0F0V2tvUVhtWC1rVHNSV2F3MEV4VjRsVTZsekNPQWpJRFQtZ2FmRlg3WjlPLW5CeU1Gd3FQcjlTRDlORnEwSkpkRm96amh1akUyUUExbm4wMDhJSkJsRURubDEwT2g0Tm04ZG41TmdTTkIxUWVGYzRVaFY2V1JVX3ZQdUJNWjAtYktLUElHT0NTSXBCSjE0VTJ4SXdfWEdoejR0U0dzZm1femhnTzVIclRzekZuRzdHUnM2ZU9zT0NIbjg?oc=5) · Business Wire
- 2025-11-20 [Pinnacle Financial Corporation and Morris State Bancshares Jointly Announce Partnership to Form a Leading Georgia Community Bank - Business Wire](https://news.google.com/rss/articles/CBMikwJBVV95cUxQcDF0dGhxOFBMMHpiSHVQX1NzMlRhOG84aWctdlpjRzV1MFo0cks3OE00UDJHcDlnaGdJZmZUSGkySWJPWmVHQWVsOFJHT3NhbjU1cEtGdHR6OHU4aUlTaUpGaGNYTHU0NHBScnNDaGF6ZlJuMGVYeTNIcFJkaDZVUWxCRmV4MEw2cVVJWEVSXzFOSHk1dDNXSzNuMWM4OTlpZ2NLMnRvZnhqLWZHaExPU1pzVEZQWjVRbVhUa1RydXFYS0l4TEdPT01JcHRLS2dvTzB1M2xnQkRqNHlzRWpfOU5MVjVaTWlGOFZNZms5TnpwTWNzRzluRXEtdEZEMFpELXBEMUhPUVE0VHJwZEQ2b3dKMA?oc=5) · Business Wire
- 2026-05-02 [Department of Banking and Finance Takes Possession of Georgia Bank - The Georgia Virtue](https://news.google.com/rss/articles/CBMiswFBVV95cUxNR1hOWWk0SVhxMTVCYzV6bmV3NzlDR3ZDQ1ZMcVozd0dVNFBpaXRfVXBSdFllT0x3RUxfQ3Z4RXJUT28xQXVkNnN2ZTdVeUxrVDNRX1pRaF85Qnh2UXlXc1pVWXVObUo2RkcxZUpld1U4MmRzUE1nVGpJUlRwMnlLN1BIMUU5eDZUVWNtcFVDS0tFR25pbm5JeEd5Z291YVpPT0hEUlZLd1hCSU1fVTJQNWdPYw?oc=5) · The Georgia Virtue
- 2025-06-19 [How One Small Bank Scales Business Lending — and Helps Others Do the Same - The Financial Brand](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPZl9YQVhCcDg4NFZ2WFItRVBxUDJJdjh5ODlXQ3V5Q2dmaUpIUGVhV0FsRmNPbU4xNEJXME9VUFhNTUVxN1lZUkRUTXpTT1VKckFhSVdwRk9ROWZSU3ZWalAzVGNlMVppWFpNS19POXJpZ0lHUlRzVTRyZ29iTlZwWXdLQzRIZU1VS2JWQmNIZG14eHQ0bEZhbEFVdE9JcHBZTzFsRWhqVmV3MkVPX0lGWHFhLTJERXJENFJ4LU9zZ0VsYjdKNXJrb29XR0x5TWtaRlBRMDhNdXFzQVdQMHc?oc=5) · The Financial Brand
- 2019-12-18 [South Georgia bank enters Augusta market - The Augusta Chronicle](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOc1pMR1dDdzlUVldTR1FYRThkVk1PWGl1MHQ5X3JXdnhGMjdCOFhQT2xvNDR4NEtORWhXQnB5SHNXS2ZJck8zSkdSbWhNMmEtVUdFcEswUnczYW85OVpuWENlTEdBV3R2SWlsNUFMZTNzWnVPQVJ5RDhoWUVncVJnZGItQ3lOOWoxQXBZLVdDbndYQW42Ul9FVm1pZUpyUUtpMFlTZ2R2ajRMSTg?oc=5) · The Augusta Chronicle
- 2024-08-12 [Lee Co. Georgia Community Bank Exec. V.P. Cooper in court - newsbreak.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTThveXRndmRacHFyNl9TTF82Z3JUWlh2OWpHNVVqS0tld0JZdmJhZDhyU0FuS0ItQU5tQ2NiQ2w2aW81Wkl5dW9aTDhBSUpURnVJZkxXdXFCdXBUZ1J5SnpmQlk2SFU1VlNnVko1ZGNxV1ZheVJ6Y0dISWY4Yzl1bHViRU9ZTjFWRnZzSXJ4VWVwVWtqcnBkWUNteU9KTWFm?oc=5) · newsbreak.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35320 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "35320", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide