Bank of Hancock County is a state-chartered bank headquartered in Sparta, Georgia, in business for about 122 years. At the end of Q2 2026 it reported $85.2M in total assets and $71.4M in deposits, with 1 office.
Bank of Hancock County has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 39th. Capital cushion contributes the most (100/100, 20.15%); earnings contributes the least (38/100, 0.46%).
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 fell 2 points (83 → 81), mostly because the loan quality component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 84 |
| Q4 2024 | 83 |
| Q1 2025 | 83 |
| Q2 2025 | 83 |
| Q3 2025 | 82 |
| Q4 2025 | 80 |
| Q1 2026 | 78 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 22.64% |
| Q3 2024 | 21.82% |
| Q4 2024 | 20.94% |
| Q1 2025 | 18.94% |
| Q2 2025 | 20.24% |
| Q3 2025 | 20.95% |
| Q4 2025 | 20.01% |
| Q1 2026 | 19.95% |
| Q2 2026 | 20.15% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.63% |
| Q4 2025 | 0.96% |
| Q1 2026 | 1.07% |
| Q2 2026 | 0.82% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.41% |
| Q4 2024 | 0.58% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $85.2M | 20.15% | 0.82% | 0.46% | 23.5% |
| Q1 2026 | 78 | $84.6M | 19.95% | 1.07% | 0.36% | 23.6% |
| Q4 2025 | 80 | $86.1M | 20.01% | 0.96% | 0.58% | 26.0% |
| Q3 2025 | 82 | $80.5M | 20.95% | 0.63% | 0.37% | 28.7% |
| Q2 2025 | 83 | $82.9M | 20.24% | 0.54% | 0.43% | 26.0% |
| Q1 2025 | 83 | $85.6M | 18.94% | 0.44% | 0.41% | 26.9% |
| Q4 2024 | 83 | $83.4M | 20.94% | 0.62% | 0.58% | 24.9% |
| Q3 2024 | 84 | $79.4M | 21.82% | 0.35% | 0.41% | 33.6% |
| Q2 2024 | 82 | $78.4M | 22.64% | 0.66% | 0.40% | 32.8% |
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 |
|---|---|---|---|---|---|
| Rochelle State BankBank Rochelle, GA | 29 out of 100, Low | $85.6M | 8.0% | 3.40% | vs |
| The Bank of EdisonBank Edison, GA | 60 out of 100, Moderate | $83.9M | 9.1% | 1.79% | vs |
| First State Bank of Randolph CountyBank Cuthbert, GA | 27 out of 100, Low | $86.9M | 8.3% | 4.53% | vs |
| The Four County BankBank Allentown, GA | 87 out of 100, Very strong | $87.1M | 13.8% | 0.68% | vs |
| F & M Bank and Trust CompanyBank Manchester, GA | 69 out of 100, Moderate | $87.4M | 10.2% | 0.52% | vs |
| First Bank of PikeBank Zebulon, GA | 70 out of 100, Strong | $87.5M | 9.9% | 0.79% | vs |
Deposit insurance
Is my money safe at Bank of Hancock County?
Yes. Bank of Hancock County is an FDIC-insured institution (FDIC certificate #10057). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.1% of deposits ($5.1M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 20.15%, well 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%).
1 location
Branches
Bank of Hancock County lists 1 office in 1 city. Most locations:
- Sparta, GA (1)
Identity & history
Profile
- Legal name
- Bank of Hancock County
- Former names
- Bank of Siloam
- Type
- State-chartered bank
- FDIC certificate #
- 10057
- RSSD ID
- 37
- Primary regulator
- FDIC
- Established
- September 1, 1904
- Headquarters
- 12855 Broad St, Sparta, GA 31087
- Website
- www.bankofhancock.com
- Employees
- 17
Quick answers
Bank of Hancock County: common questions
Is Bank of Hancock County FDIC insured?
Yes. Bank of Hancock County is an FDIC-insured institution (FDIC certificate #10057). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Hancock County's TellerScore?
81 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 Bank of Hancock County ever failed?
There is no failure record for FDIC certificate #10057 in the FDIC failed bank list.
How many branches does Bank of Hancock County have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sparta
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cgr Credit UnionCredit union Macon, GA | 95 out of 100, Very strong | $120.0M | 22.2% | 0.52% | vs |
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| F&M BankBank Washington, GA | 88 out of 100, Very strong | $419.9M | 14.9% | 0.38% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| Century Bank and TrustBank Milledgeville, GA | 87 out of 100, Very strong | $490.7M | 11.8% | 0.07% | vs |
| The Peoples BankBank Eatonton, GA | 79 out of 100, Strong | $269.7M | 11.7% | 0.00% | vs |