TellerScore

Headquartered in Dudley, Georgia, Bank of Dudley is a state-chartered bank with $537.9M in total assets and $486.8M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1905.

Bank of Dudley 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 86th. Problem-loan coverage contributes the most (98/100, 0.8%); capital cushion contributes the least (46/100, 9.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.62%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.12%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 74.9% · 31.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.84%

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 fell 6 points (75 → 69), mostly because the earnings component weakened by 13 points.

TellerScore
626975Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202473
Q1 202575
Q2 202575
Q3 202562
Q4 202572
Q1 202671
Q2 202669
Tier 1 leverage ratio
5.00%7.61%10.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.03%
Q3 202410.22%
Q4 202410.06%
Q1 202510.00%
Q2 202510.15%
Q3 202510.11%
Q4 20259.67%
Q1 20269.66%
Q2 20269.62%
Noncurrent loans
0.06%0.68%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.10%
Q4 20240.07%
Q1 20250.07%
Q2 20250.06%
Q3 20251.30%
Q4 20250.13%
Q1 20260.13%
Q2 20260.12%
Return on assets
0.97%1.14%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.16%
Q3 20241.08%
Q4 20241.11%
Q1 20251.30%
Q2 20251.30%
Q3 20251.27%
Q4 20251.25%
Q1 20261.05%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$537.9M9.62%0.12%0.97%74.9%
Q1 202671$525.5M9.66%0.13%1.05%72.1%
Q4 202572$502.4M9.67%0.13%1.25%74.4%
Q3 202562$496.1M10.11%1.30%1.27%70.8%
Q2 202575$459.4M10.15%0.06%1.30%75.1%
Q1 202575$454.9M10.00%0.07%1.30%71.2%
Q4 202473$442.0M10.06%0.07%1.11%71.4%
Q3 202473$416.7M10.22%0.10%1.08%76.4%
Q2 202473$406.8M10.03%0.08%1.16%74.1%

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 ratio9.62%
24th
Total risk-based capital0.00%
24th
Problem loans0.12%
72nd
Net charge-offs-0.01%
86th
Return on assets0.97%
32nd
Net interest margin4.42%
76th
Efficiency ratio67.5%
36th
Loans to deposits74.9%
60th
Uninsured deposits31.6%
24th
Loan-loss reserves1.35%
68th
Texas ratio0.8%
72nd

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of Coffee CountyBank Douglas, GA70 out of 100, Strong$547.5M8.8%0.24%vs
Sunmark Community BankBank Perry, GA92 out of 100, Very strong$556.6M14.6%0.02%vs
First State BankBank Wrens, GA77 out of 100, Strong$512.7M10.5%0.32%vs
Peoples Bank & TrustBank Buford, GA76 out of 100, Strong$563.3M10.8%0.16%vs
Citizens Bank of AmericusBank Americus, GA77 out of 100, Strong$511.1M10.3%0.09%vs
South Georgia Banking CompanyBank Omega, GA85 out of 100, Very strong$570.1M13.9%0.55%vs

Deposit insurance

Is my money safe at Bank of Dudley?

Yes. Bank of Dudley is an FDIC-insured institution (FDIC certificate #9068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.6% of deposits ($153.9M) 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 9.62%, 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%).

Check how much of your own balance is covered

8 locations

Branches

Bank of Dudley lists 8 offices in 7 cities. Most locations:

  • Dublin, GA (2)
  • Dudley, GA (1)
  • East Dublin, GA (1)
  • Forsyth, GA (1)
  • Jeffersonville, GA (1)
  • Locust Grove, GA (1)
  • Perry, GA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Dudley reported 124 home-loan applications under HMDA (LEI 549300CWZXP5LD3GVV26): 115 originated ($22,465,000 total), 1 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.9%, 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 Dudley
Type
State-chartered bank
FDIC certificate #
9068
RSSD ID
546535
Primary regulator
FDIC
Holding company
Hogan Investments I Inc
Established
November 1, 1905
Headquarters
1448 2nd St, Dudley, GA 31022
Employees
93

Quick answers

Bank of Dudley: common questions

Is Bank of Dudley FDIC insured?

Yes. Bank of Dudley is an FDIC-insured institution (FDIC certificate #9068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Dudley'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 Dudley ever failed?

There is no failure record for FDIC certificate #9068 in the FDIC failed bank list.

How many branches does Bank of Dudley have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dudley

InstitutionScoreAssetsCapitalProblem loansCompare
Robins Financial Credit UnionCredit union Warner Robins, GA94 out of 100, Very strong$5.0B17.6%0.40%vs
Sunmark Community BankBank Perry, GA92 out of 100, Very strong$556.6M14.6%0.02%vs
Farmers State BankBank Dublin, GA90 out of 100, Very strong$156.2M13.9%0.28%vs
The Citizens Bank of CochranBank Cochran, GA90 out of 100, Very strong$201.4M14.8%0.33%vs
The Four County BankBank Allentown, GA87 out of 100, Very strong$87.1M13.8%0.68%vs
Century Bank and TrustBank Milledgeville, GA87 out of 100, Very strong$490.7M11.8%0.07%vs