Community Bank of Georgia
Baxley, Georgia · FDIC Cert #57579
This is the FDIC profile for Community Bank of Georgia, an FDIC-insured bank (Certificate #57579) with $204M in total assets and $183M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Baxley, Georgia, the bank maintains a Tier 1 capital ratio of 10.75% (Well-Capitalized) and a nonperforming loan ratio of 0.65%. BankHealthData assigns a composite Health Grade of C (64/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Community Bank of Georgia (FDIC cert 57579) is a community bank — $204M in total assets, $183M in deposits, serving the Baxley, 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 10.75% 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 is normal: non-performing loan ratio of 0.65% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 9.6% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 2.41% 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 mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Community Bank of Georgia carries a composite BankHealth grade of C (64/100) 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 Bank of Georgia
- Total Assets
- $204M
- Total Deposits
- $183M
- Tier 1 Capital Ratio
- 10.75%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.65%
- Liquidity Ratio
- 9.57%
- Return on Assets
- 2.41%
- Headquarters
- Baxley, Georgia
- FDIC Certificate
- #57579
- Health Grade
- C (64/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Community Bank of Georgia files quarterly Call Reports with the FDIC under Certificate #57579. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Community Bank of Georgia holds a Tier 1 capital ratio of 10.75%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Community Bank of Georgia has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Community Bank of Georgia shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Bank of Georgia Compares
Community Bank of Georgia’s Health Score of 64 is 19 points below the Georgia state average of 83 across 123 FDIC-insured banks. Its 10.75% Tier 1 capital ratio is 3.3 points below the US banking industry average near 14%. The 0.65% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.41% is in line with or above the national ROA benchmark of ~1.1%. Among 1528 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Community Bank of Georgia is 16 points below the portfolio average of 80.
Frequently Asked Questions
Community Bank of Georgia has a Bank Health Score of C (64/100), placing it in average financial health. It holds a Tier 1 capital ratio of 10.75%, 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 Bank of Georgia's Tier 1 capital ratio of 10.75% and nonperforming loan ratio of 0.65% indicate an average 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 Bank of Georgia is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57579). 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 Bank of Georgia holds $204M in total assets and $183M in total deposits. It is headquartered in Baxley, Georgia (FDIC Certificate #57579).
Community Bank of Georgia's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #57579 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Community Bank of Georgia has a Tier 1 capital ratio of 10.75%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.65%, and the return on assets is 2.41%.
Yes. Community Bank of Georgia is FDIC-insured (Certificate #57579). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Community Bank of Georgia's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.