Community Bk Co Fitzgerald
Fitzgerald, Georgia · FDIC Cert #34160
This is the FDIC profile for Community Bk Co Fitzgerald, an FDIC-insured bank (Certificate #34160) with $262M in total assets and $230M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Fitzgerald, Georgia, the bank maintains a Tier 1 capital ratio of 11.20% (Well-Capitalized) and a nonperforming loan ratio of 0.55%. BankHealthData assigns a composite Health Grade of A (80/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Community Bk Co Fitzgerald (FDIC cert 34160) is a community bank — $262M in total assets, $230M in deposits, serving the Fitzgerald, 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 11.20% 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 0.55% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 23.1% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.23% 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 improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Community Bk Co Fitzgerald carries a composite BankHealth grade of A (80/100) 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 Bk Co Fitzgerald
- Total Assets
- $262M
- Total Deposits
- $230M
- Tier 1 Capital Ratio
- 11.20%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.55%
- Liquidity Ratio
- 23.15%
- Return on Assets
- 2.23%
- Headquarters
- Fitzgerald, Georgia
- FDIC Certificate
- #34160
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Community Bk Co Fitzgerald files quarterly Call Reports with the FDIC under Certificate #34160. 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 Bk Co Fitzgerald holds a Tier 1 capital ratio of 11.20%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Community Bk Co Fitzgerald has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Community Bk Co Fitzgerald shows strong financial health indicators. With $262M in assets and a Health Score of 80/100, 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 Community Bk Co Fitzgerald Compares
Community Bk Co Fitzgerald’s Health Score of 80 is 3 points below the Georgia state average of 83 across 123 FDIC-insured banks. Its 11.20% Tier 1 capital ratio is 2.8 points below the US banking industry average near 14%. The 0.55% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.23% is in line with or above the national ROA benchmark of ~1.1%. Among 1584 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort.
Frequently Asked Questions
Community Bk Co Fitzgerald has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.20%, 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 Bk Co Fitzgerald's Tier 1 capital ratio of 11.20% and nonperforming loan ratio of 0.55% 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 Community Bk Co Fitzgerald is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34160). 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 Bk Co Fitzgerald holds $262M in total assets and $230M in total deposits. It is headquartered in Fitzgerald, Georgia (FDIC Certificate #34160).
Community Bk Co Fitzgerald's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #34160 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 Bk Co Fitzgerald has a Tier 1 capital ratio of 11.20%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.55%, and the return on assets is 2.23%.
Yes. Community Bk Co Fitzgerald is FDIC-insured (Certificate #34160). 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Community Bk Co Fitzgerald'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.