Bank of Dawson is a state-chartered bank headquartered in Dawson, Georgia, in business for about 115 years. At the end of Q2 2026 it reported $159.9M in total assets and $132.0M in deposits, with 1 office.
Bank of Dawson has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 6th. Capital cushion contributes the most (100/100, 18.15%); funding & liquidity contributes the least (72/100, 76% loans-to-deposits, 27% uninsured).
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
From Q2 2025 to Q2 2026, the score rose 26 points (68 → 94), mostly because the loan quality component improved by 93 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 65 |
| Q4 2024 | 63 |
| Q1 2025 | 65 |
| Q2 2025 | 68 |
| Q3 2025 | 69 |
| Q4 2025 | 67 |
| Q1 2026 | 88 |
| Q2 2026 | 94 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.98% |
| Q3 2024 | 17.58% |
| Q4 2024 | 16.92% |
| Q1 2025 | 17.56% |
| Q2 2025 | 17.94% |
| Q3 2025 | 18.02% |
| Q4 2025 | 17.32% |
| Q1 2026 | 18.11% |
| Q2 2026 | 18.15% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.80% |
| Q3 2024 | 3.33% |
| Q4 2024 | 3.80% |
| Q1 2025 | 3.75% |
| Q2 2025 | 3.23% |
| Q3 2025 | 3.12% |
| Q4 2025 | 3.21% |
| Q1 2026 | 1.01% |
| Q2 2026 | 0.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.63% |
| Q3 2024 | 1.64% |
| Q4 2024 | 1.42% |
| Q1 2025 | 1.74% |
| Q2 2025 | 2.16% |
| Q3 2025 | 2.02% |
| Q4 2025 | 1.63% |
| Q1 2026 | 2.56% |
| Q2 2026 | 2.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 94 | $159.9M | 18.15% | 0.22% | 2.22% | 75.6% |
| Q1 2026 | 88 | $159.9M | 18.11% | 1.01% | 2.56% | 67.2% |
| Q4 2025 | 67 | $158.3M | 17.32% | 3.21% | 1.63% | 67.7% |
| Q3 2025 | 69 | $162.2M | 18.02% | 3.12% | 2.02% | 72.7% |
| Q2 2025 | 68 | $164.7M | 17.94% | 3.23% | 2.16% | 71.9% |
| Q1 2025 | 65 | $158.2M | 17.56% | 3.75% | 1.74% | 74.5% |
| Q4 2024 | 63 | $159.5M | 16.92% | 3.80% | 1.42% | 72.6% |
| Q3 2024 | 65 | $161.9M | 17.58% | 3.33% | 1.64% | 78.7% |
| Q2 2024 | 64 | $154.4M | 17.98% | 3.80% | 1.63% | 77.9% |
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).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West Central Georgia BankBank Thomaston, GA | 97 out of 100, Very strong | $160.4M | 22.2% | 0.04% | vs |
| Bank of MonticelloBank Monticello, GA | 83 out of 100, Strong | $158.0M | 14.5% | 1.06% | vs |
| Family BankBank Pelham, GA | 65 out of 100, Moderate | $162.0M | 14.1% | 2.21% | vs |
| Bank of DadeBank Trenton, GA | 79 out of 100, Strong | $162.3M | 9.4% | 0.25% | vs |
| Farmers State BankBank Dublin, GA | 90 out of 100, Very strong | $156.2M | 13.9% | 0.28% | vs |
| Moultrie Bank & TrustBank Moultrie, GA | 82 out of 100, Strong | $150.6M | 14.1% | 0.10% | vs |
Deposit insurance
Is my money safe at Bank of Dawson?
Yes. Bank of Dawson is an FDIC-insured institution (FDIC certificate #876). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.9% of deposits ($35.5M) 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 18.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 27.03% (benchmark: 10%).
1 location
Branches
Bank of Dawson lists 1 office in 1 city. Most locations:
- Dawson, GA (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Dawson reported 57 home-loan applications under HMDA (LEI 549300NFFZ9YOVNMJO35): 51 originated ($5,665,000 total), 6 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Bank of Dawson
- Type
- State-chartered bank
- FDIC certificate #
- 876
- RSSD ID
- 193537
- Primary regulator
- FDIC
- Holding company
- Dawson Bancshares Inc
- Established
- July 1, 1911
- Headquarters
- 209 N Main St, Dawson, GA 39842
- Website
- www.bankofdawson.com
- Employees
- 21
Quick answers
Bank of Dawson: common questions
Is Bank of Dawson FDIC insured?
Yes. Bank of Dawson is an FDIC-insured institution (FDIC certificate #876). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Dawson's TellerScore?
94 out of 100 (Very strong), 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 Dawson ever failed?
There is no failure record for FDIC certificate #876 in the FDIC failed bank list.
How many branches does Bank of Dawson have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Dawson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ab&tBank Albany, GA | 83 out of 100, Strong | $261.2M | 11.8% | 0.00% | vs |
| Georgia Community BankBank Albany, GA | 78 out of 100, Strong | $375.0M | 13.7% | 1.25% | vs |
| Citizens Bank of AmericusBank Americus, GA | 77 out of 100, Strong | $511.1M | 10.3% | 0.09% | vs |
| First State BankBank Wrens, GA | 77 out of 100, Strong | $512.7M | 10.5% | 0.32% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |
| The Bridgeway Federal Credit UnionCredit union Phenix City, AL | 72 out of 100, Strong | $62.3M | 16.3% | 1.01% | vs |