Bank of Hancock County Safety Rating
Bank of Hancock County's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #678 out of 3,960 FDIC-insured banks nationally (top 17%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Bank of Hancock County's best component is Tier 1 capital (100/100) and its weakest is profitability (36/100).
This page answers a common banking-safety question: Bank of Hancock County Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Bank of Hancock County Safety Rating Breakdown
- Overall rating
- Grade A (90/100)
- National rank
- #678 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 87/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 36/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Bank of Hancock County among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 17% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 36.59% | 100/100 |
| Nonperforming Loan Ratio | 0.66% | 87/100 |
| Liquidity Ratio | 68.15% | 100/100 |
| Return on Assets | 0.40% | 36/100 |
| Total Assets | $0.1B | |
How does Bank of Hancock County compare?
With a Bank Health Score of 90/100, Bank of Hancock County sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Georgia, where 123 FDIC-insured banks are headquartered, Bank of Hancock County ranks above the state average of 76/100 (Grade B).
The bank's Tier 1 capital ratio of 36.59% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.66% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bank of Hancock County's Bank Health Score improved by 36.0 points to 90/100. Tier 1 capital strengthened by 36.59 percentage points to 36.59%. Quarter-over-quarter, the score rose by 3.0 points.
Frequently Asked Questions
Bank of Hancock County's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #678 out of 3,960 FDIC-insured banks nationally (top 17%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Bank of Hancock County's best component is Tier 1 capital (100/100) and its weakest is profitability (36/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Bank of Hancock County: Tier 1 capital scores 100/100, loan quality 87/100, liquidity 100/100, and profitability 36/100 — combining to 90/100 (grade A).
Bank of Hancock County's Bank Health Score of 90/100 is 14.0 points above the Georgia state average of 76/100. 123 FDIC-insured banks are headquartered in Georgia.
Yes. Bank of Hancock County (FDIC certificate #10057) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Bank of Hancock County
Bank of Hancock County's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #678 out of 3,960 FDIC-insured banks nationally (top 17%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Bank of Hancock County's best component is Tier 1 capital (100/100) and its weakest is profitability (36/100).