TellerScore

Headquartered in Alapaha, Georgia, Bank of Alapaha is a state-chartered bank with $251.0M in total assets and $230.0M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1905.

Bank of Alapaha has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 88th. Problem-loan coverage contributes the most (96/100, 1.9%); earnings contributes the least (46/100, 0.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.23%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.34%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 53.8% · 29.7% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.94%

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 → 69).

TellerScore
656973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202470
Q4 202470
Q1 202565
Q2 202570
Q3 202573
Q4 202569
Q1 202669
Q2 202669
Tier 1 leverage ratio
5.00%7.94%10.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.64%
Q3 202410.87%
Q4 202410.06%
Q1 20259.97%
Q2 202510.24%
Q3 202510.39%
Q4 202510.06%
Q1 202610.08%
Q2 202610.23%
Noncurrent loans
0.06%0.40%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.28%
Q3 20240.47%
Q4 20240.15%
Q1 20250.75%
Q2 20250.41%
Q3 20250.06%
Q4 20250.37%
Q1 20260.39%
Q2 20260.34%
Return on assets
0.51%0.64%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.52%
Q4 20240.51%
Q1 20250.65%
Q2 20250.73%
Q3 20250.77%
Q4 20250.73%
Q1 20260.66%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$251.0M10.23%0.34%0.65%53.8%
Q1 202669$250.7M10.08%0.39%0.66%50.9%
Q4 202569$250.1M10.06%0.37%0.73%52.0%
Q3 202573$243.8M10.39%0.06%0.77%55.0%
Q2 202570$237.5M10.24%0.41%0.73%54.8%
Q1 202565$238.5M9.97%0.75%0.65%51.7%
Q4 202470$238.0M10.06%0.15%0.51%52.4%
Q3 202470$221.7M10.87%0.47%0.52%60.8%
Q2 202471$219.7M10.64%0.28%0.52%57.7%

2,650 peers · $100 million – $1 billion

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).

Capital ratio10.23%
36th
Total risk-based capital20.76%
88th
Problem loans0.34%
54th
Net charge-offs-0.11%
98th
Return on assets0.65%
17th
Net interest margin3.44%
25th
Efficiency ratio76.1%
19th
Loans to deposits53.8%
89th
Uninsured deposits29.7%
29th
Loan-loss reserves2.35%
96th
Texas ratio1.9%
58th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
The Peoples Bank of GeorgiaBank Talbotton, GA71 out of 100, Strong$252.3M9.6%0.32%vs
Waycross Bank & TrustBank Waycross, GA79 out of 100, Strong$242.2M12.1%0.25%vs
Ab&tBank Albany, GA83 out of 100, Strong$261.2M11.8%0.00%vs
Loyal Trust BankBank Johns Creek, GA64 out of 100, Moderate$235.3M10.8%0.25%vs
Community Bank of GeorgiaBank Baxley, GA74 out of 100, Strong$269.5M11.0%1.05%vs
South Georgia BankBank Glennville, GA81 out of 100, Strong$269.5M10.6%0.16%vs

Deposit insurance

Is my money safe at Bank of Alapaha?

Yes. Bank of Alapaha is an FDIC-insured institution (FDIC certificate #155). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.7% of deposits ($68.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.76% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Bank of Alapaha lists 4 offices in 4 cities. Most locations:

  • Adel, GA (1)
  • Alapaha, GA (1)
  • Enigma, GA (1)
  • Nashville, GA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Alapaha
Type
State-chartered bank
FDIC certificate #
155
RSSD ID
986935
Primary regulator
FDIC
Holding company
Alapaha Holding Co
Established
March 25, 1905
Headquarters
245 Ne Railroad St, Alapaha, GA 31622
Employees
54

Quick answers

Bank of Alapaha: common questions

Is Bank of Alapaha FDIC insured?

Yes. Bank of Alapaha is an FDIC-insured institution (FDIC certificate #155). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Alapaha's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Alapaha ever failed?

There is no failure record for FDIC certificate #155 in the FDIC failed bank list.

How many branches does Bank of Alapaha have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Alapaha

InstitutionScoreAssetsCapitalProblem loansCompare
Fnb SouthBank Alma, GA95 out of 100, Very strong$734.8M16.2%0.00%vs
Interstate Credit UnionCredit union Jesup, GA89 out of 100, Very strong$410.9M15.8%0.54%vs
The Trust BankBank Lenox, GA86 out of 100, Very strong$47.0M16.2%1.36%vs
South Georgia Banking CompanyBank Omega, GA85 out of 100, Very strong$570.1M13.9%0.55%vs
Commercial Banking CompanyBank Valdosta, GA79 out of 100, Strong$409.5M10.3%0.04%vs
Douglas National BankBank Douglas, GA78 out of 100, Strong$326.9M10.3%0.10%vs