Community Bk of Pickens Cnty
Jasper, Georgia · FDIC Cert #35513
Community Bk of Pickens Cnty is an FDIC-insured bank (Certificate #35513) with $549M in total assets and $473M in total deposits as of the Q2 2024 Call Report. Headquartered in Jasper, Georgia, the bank maintains a Tier 1 capital ratio of 18.21% (Well-Capitalized) and a nonperforming loan ratio of 3.29%. BankHealthData assigns a composite Health Grade of B (73/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Community Bk of Pickens Cnty (FDIC cert 35513) is a community bank — $549M in total assets, $473M in deposits, serving the Jasper, 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 18.21% 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 3.29% 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 in the normal range: 22.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.95% 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. Community Bk of Pickens Cnty carries a composite BankHealth grade of B (73/100) 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 of Pickens Cnty
- Total Assets
- $549M
- Total Deposits
- $473M
- Tier 1 Capital Ratio
- 18.21%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.29%
- Liquidity Ratio
- 22.61%
- Return on Assets
- 2.95%
- Headquarters
- Jasper, Georgia
- FDIC Certificate
- #35513
- Health Grade
- B (73/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Community Bk of Pickens Cnty holds a Tier 1 capital ratio of 18.21%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Community Bk of Pickens Cnty has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Community Bk of Pickens Cnty shows strong financial health indicators. With $549M in assets and a Health Score of 73/100, 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 of Pickens Cnty Compares
Community Bk of Pickens Cnty’s Health Score of 73 is 3 points below the Georgia state average of 76 across 123 FDIC-insured banks. Its 18.21% Tier 1 capital ratio is 4.2 points above the US banking industry average near 14%. The 3.29% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.95% is in line with or above the national ROA benchmark of ~1.1%. Among 1406 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Community Bk of Pickens Cnty is 3 points above the portfolio average of 70.
Frequently Asked Questions
Community Bk of Pickens Cnty has a Bank Health Score of B (73/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 18.21%, 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 of Pickens Cnty's Tier 1 capital ratio of 18.21% and nonperforming loan ratio of 3.29% 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 of Pickens Cnty is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #35513). 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 of Pickens Cnty holds $549M in total assets and $473M in total deposits. It is headquartered in Jasper, Georgia (FDIC Certificate #35513).
Community Bk of Pickens Cnty has a Tier 1 capital ratio of 18.21%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.29%, and the return on assets is 2.95%.
Yes. Community Bk of Pickens Cnty is FDIC-insured (Certificate #35513). 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%).
Community Bk of Pickens Cnty'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.