Apex Banking Company of Georgia is a state-chartered bank headquartered in Cleveland, Georgia, in business for about 119 years. At the end of Q2 2026 it reported $72.6M in total assets and $66.5M in deposits, with 2 offices.
Based on its Q2 2026 filing, Apex Banking Company of Georgia scores 70/100, which we describe as strong. That is higher than only 40% of 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 83rd. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is earnings (42/100; 0.55%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 69 |
| Q1 2025 | 71 |
| Q2 2025 | 70 |
| Q3 2025 | 68 |
| Q4 2025 | 69 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.89% |
| Q3 2024 | 10.83% |
| Q4 2024 | 11.34% |
| Q1 2025 | 11.09% |
| Q2 2025 | 10.18% |
| Q3 2025 | 9.75% |
| Q4 2025 | 9.68% |
| Q1 2026 | 9.38% |
| Q2 2026 | 9.70% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.93% |
| Q3 2024 | -0.61% |
| Q4 2024 | -0.40% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.36% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.47% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $72.6M | 9.70% | 0.03% | 0.55% | 67.3% |
| Q1 2026 | 69 | $73.2M | 9.38% | 0.04% | 0.51% | 63.0% |
| Q4 2025 | 69 | $76.6M | 9.68% | 0.13% | 0.47% | 52.3% |
| Q3 2025 | 68 | $69.6M | 9.75% | 0.25% | 0.39% | 55.3% |
| Q2 2025 | 70 | $66.6M | 10.18% | 0.18% | 0.36% | 57.2% |
| Q1 2025 | 71 | $63.6M | 11.09% | 0.07% | 0.09% | 58.9% |
| Q4 2024 | 69 | $57.7M | 11.34% | 0.07% | -0.40% | 63.3% |
| Q3 2024 | 65 | $61.0M | 10.83% | 0.18% | -0.61% | 55.1% |
| Q2 2024 | 66 | $60.8M | 10.89% | 0.11% | -0.93% | 53.8% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Security State BankBank Mcrae, GA | 91 out of 100, Very strong | $70.5M | 14.1% | 0.59% | vs |
| Southeast First National BankBank Summerville, GA | 74 out of 100, Strong | $74.9M | 11.7% | 0.06% | vs |
| The Bank of EdisonBank Edison, GA | 60 out of 100, Moderate | $83.9M | 9.1% | 1.79% | vs |
| Bank of Hancock CountyBank Sparta, GA | 81 out of 100, Strong | $85.2M | 20.2% | 0.82% | vs |
| Rochelle State BankBank Rochelle, GA | 29 out of 100, Low | $85.6M | 8.0% | 3.40% | vs |
| First State Bank of Randolph CountyBank Cuthbert, GA | 27 out of 100, Low | $86.9M | 8.3% | 4.53% | vs |
Deposit insurance
Is my money safe at Apex Banking Company of Georgia?
Yes. Apex Banking Company of Georgia is an FDIC-insured institution (FDIC certificate #10074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.2% of deposits ($14.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.70%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Apex Banking Company of Georgia lists 2 offices in 2 cities. Most locations:
- Cleveland, GA (1)
- Irwinton, GA (1)
Identity & history
Profile
- Legal name
- Apex Banking Company of Georgia
- Former names
- Wilkinson County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10074
- RSSD ID
- 102333
- Primary regulator
- FDIC
- Established
- July 16, 1907
- Headquarters
- 35 Jesse Mae Thurmond Conn, Cleveland, GA 30528
- Website
- www.apexga.bank
- Employees
- 20
Quick answers
Apex Banking Company of Georgia: common questions
Is Apex Banking Company of Georgia FDIC insured?
Yes. Apex Banking Company of Georgia is an FDIC-insured institution (FDIC certificate #10074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Apex Banking Company of Georgia's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Apex Banking Company of Georgia ever failed?
There is no failure record for FDIC certificate #10074 in the FDIC failed bank list.
How many branches does Apex Banking Company of Georgia have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cleveland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First American Bank and Trust CompanyBank Athens, GA | 86 out of 100, Very strong | $901.9M | 13.3% | 0.00% | vs |
| Rabun County BankBank Clayton, GA | 81 out of 100, Strong | $361.5M | 10.5% | 0.05% | vs |
| Delta Community Credit UnionCredit union Atlanta, GA | 81 out of 100, Strong | $9.1B | 12.6% | 0.22% | vs |
| The Peoples BankBank Eatonton, GA | 79 out of 100, Strong | $269.7M | 11.7% | 0.00% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |
| Oconee Federal Savings and Loan AssociationBank Seneca, SC | 78 out of 100, Strong | $679.4M | 13.6% | 0.33% | vs |