Is Great Oaks Bank Safe?
Great Oaks Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (80/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.56% | 81/100 |
| Nonperforming Loan Ratio | 0.07% | 99/100 |
| Liquidity Ratio | 31.94% | 100/100 |
| Return on Assets | 1.49% | 80/100 |
| Total Assets | $0.4B | |
How does Great Oaks Bank compare?
With a Bank Health Score of 91/100, Great Oaks Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Georgia, where 123 FDIC-insured banks are headquartered, Great Oaks Bank ranks above the state average of 76/100 (Grade B).
The bank's Tier 1 capital ratio of 12.56% 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 0.07% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Great Oaks Bank's Bank Health Score improved by 3.0 points to 91/100. Tier 1 capital strengthened by 0.82 percentage points to 12.56%. Quarter-over-quarter, the score rose by 2.0 points.
Great Oaks Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (80/100).