Geo D Warthen Bank
Sandersville, Georgia · FDIC Cert #2154
Geo D Warthen Bank is an FDIC-insured bank (Certificate #2154) with $211M in total assets and $187M in total deposits as of the Q2 2024 Call Report. Headquartered in Sandersville, Georgia, the bank maintains a Tier 1 capital ratio of 18.18% (Well-Capitalized) and a nonperforming loan ratio of 1.16%. BankHealthData assigns a composite Health Grade of A (91/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Geo D Warthen Bank (FDIC cert 2154) is a community bank — $211M in total assets, $187M in deposits, serving the Sandersville, 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 18.18% 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 normal: non-performing loan ratio of 1.16% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 40.0% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.46% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Geo D Warthen Bank carries a composite BankHealth grade of A (91/100) 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: Geo D Warthen Bank
- Total Assets
- $211M
- Total Deposits
- $187M
- Tier 1 Capital Ratio
- 18.18%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.16%
- Liquidity Ratio
- 39.97%
- Return on Assets
- 1.46%
- Headquarters
- Sandersville, Georgia
- FDIC Certificate
- #2154
- Health Grade
- A (91/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Geo D Warthen Bank holds a Tier 1 capital ratio of 18.18%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Geo D Warthen Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Geo D Warthen Bank shows strong financial health indicators. With $211M in assets and a Health Score of 91/100, 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 Geo D Warthen Bank Compares
Geo D Warthen Bank’s Health Score of 91 is 15 points above the Georgia state average of 76 across 123 FDIC-insured banks. Its 18.18% Tier 1 capital ratio is 4.2 points above the US banking industry average near 14%. The 1.16% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.46% is in line with or above the national ROA benchmark of ~1.1%. Among 1535 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Geo D Warthen Bank is 21 points above the portfolio average of 70.
Frequently Asked Questions
Geo D Warthen Bank has a Bank Health Score of A (91/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 18.18%, 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. Geo D Warthen Bank's Tier 1 capital ratio of 18.18% and nonperforming loan ratio of 1.16% 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 Geo D Warthen Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #2154). 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.
Geo D Warthen Bank holds $211M in total assets and $187M in total deposits. It is headquartered in Sandersville, Georgia (FDIC Certificate #2154).
Geo D Warthen Bank has a Tier 1 capital ratio of 18.18%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.16%, and the return on assets is 1.46%.
Yes. Geo D Warthen Bank is FDIC-insured (Certificate #2154). 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%).
Geo D Warthen Bank'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.