Bank of Dawson
Dawson, Georgia · FDIC Cert #876
Bank of Dawson is an FDIC-insured bank (Certificate #876) with $154M in total assets and $126M in total deposits as of the Q2 2024 Call Report. Headquartered in Dawson, Georgia, the bank maintains a Tier 1 capital ratio of 24.43% (Well-Capitalized) and a nonperforming loan ratio of 3.80%. BankHealthData assigns a composite Health Grade of B (72/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Dawson (FDIC cert 876) is a community bank — $154M in total assets, $126M in deposits, serving the Dawson, Georgia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 24.43% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.80% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 26.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.69% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Bank of Dawson carries a composite BankHealth grade of B (72/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Dawson
- Total Assets
- $154M
- Total Deposits
- $126M
- Tier 1 Capital Ratio
- 24.43%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.80%
- Liquidity Ratio
- 26.50%
- Return on Assets
- 1.69%
- Headquarters
- Dawson, Georgia
- FDIC Certificate
- #876
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Dawson holds a Tier 1 capital ratio of 24.43%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Dawson has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Dawson shows strong financial health indicators. With $154M in assets and a Health Score of 72/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Dawson Compares
Bank of Dawson’s Health Score of 72 is 4 points below the Georgia state average of 76 across 123 FDIC-insured banks. Its 24.43% Tier 1 capital ratio is 10.4 points above the US banking industry average near 14%. The 3.80% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.69% is in line with or above the national ROA benchmark of ~1.1%. Among 1393 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Bank of Dawson is 2 points above the portfolio average of 70.
Frequently Asked Questions
Bank of Dawson has a Bank Health Score of B (72/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 24.43%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Dawson's Tier 1 capital ratio of 24.43% and nonperforming loan ratio of 3.80% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Dawson is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #876). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Dawson holds $154M in total assets and $126M in total deposits. It is headquartered in Dawson, Georgia (FDIC Certificate #876).
Bank of Dawson has a Tier 1 capital ratio of 24.43%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.80%, and the return on assets is 1.69%.
Yes. Bank of Dawson is FDIC-insured (Certificate #876). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Dawson's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.