Community B&T West Georgia
Lagrange, Georgia · FDIC Cert #25796
Community B&T West Georgia is an FDIC-insured bank (Certificate #25796) with $163M in total assets and $152M in total deposits as of the Q2 2024 Call Report. Headquartered in Lagrange, Georgia, the bank maintains a Tier 1 capital ratio of 11.85% (Well-Capitalized) and a nonperforming loan ratio of 6.78%. BankHealthData assigns a composite Health Grade of D (44/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Community B&T West Georgia (FDIC cert 25796) is a community bank — $163M in total assets, $152M in deposits, serving the Lagrange, 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 adequate: Tier 1 capital ratio of 11.85% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality shows stress: non-performing loan ratio of 6.78% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is in the normal range: 18.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.40% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. 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. Community B&T West Georgia carries a composite BankHealth grade of D (44/100) 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: Community B&T West Georgia
- Total Assets
- $163M
- Total Deposits
- $152M
- Tier 1 Capital Ratio
- 11.85%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 6.78%
- Liquidity Ratio
- 18.93%
- Return on Assets
- 0.40%
- Headquarters
- Lagrange, Georgia
- FDIC Certificate
- #25796
- Health Grade
- D (44/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Community B&T West Georgia holds a Tier 1 capital ratio of 11.85%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Community B&T West Georgia has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Community B&T West Georgia shows some financial weakness with a Health Score of 44/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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 Community B&T West Georgia Compares
Community B&T West Georgia’s Health Score of 44 is 32 points below the Georgia state average of 76 across 123 FDIC-insured banks. Its 11.85% Tier 1 capital ratio is 2.2 points below the US banking industry average near 14%. The 6.78% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.40% is below the national ROA benchmark of ~1.1%. Among 1428 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Community B&T West Georgia is 26 points below the portfolio average of 70.
Frequently Asked Questions
Community B&T West Georgia has a Bank Health Score of D (44/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 11.85%, 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. Community B&T West Georgia's Tier 1 capital ratio of 11.85% and nonperforming loan ratio of 6.78% indicate an elevated 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 Community B&T West Georgia is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #25796). 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.
Community B&T West Georgia holds $163M in total assets and $152M in total deposits. It is headquartered in Lagrange, Georgia (FDIC Certificate #25796).
Community B&T West Georgia has a Tier 1 capital ratio of 11.85%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 6.78%, and the return on assets is 0.40%.
Yes. Community B&T West Georgia is FDIC-insured (Certificate #25796). 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 D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Community B&T West Georgia shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.