TellerScore

Community Bank and Trust - West Georgia no longer operates under this certificate. It failed on May 1, 2026. See the failure record.

Community Bank and Trust - West Georgia (FDIC certificate #25796) is based in Lagrange, Georgia. Its Q1 2026 call report shows $292.6M in total assets and $286.6M in deposits.

Community Bank and Trust - West Georgia has a TellerScore of 15 out of 100 (low) based on Q1 2026 data — higher than only 0% of its 2,684 banks with $100 million – $1 billion. Among 128 banks headquartered in Georgia, it ranks 128th. Funding & liquidity contributes the most (97/100, 64% loans-to-deposits, 4% uninsured); problem-loan coverage contributes the least (0/100, 280.0%).

TellerScore · Q1 2026

Scorecard

Capital cushion0/100
Tier 1 leverage ratio: 0.16%
Loan quality0/100
Noncurrent loans ÷ total loans: 17.28%
Earnings0/100
Return on assets (annualized): -6.88%
Funding & liquidity97/100
Loans ÷ deposits and uninsured-deposit share: 63.7% · 3.6% uninsured
Problem-loan coverage0/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 280.03%

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.

8 quarters

Health trend

From Q1 2025 to Q1 2026, the score fell 7 points (22 → 15), mostly because the funding & liquidity component improved by 26 points.

TellerScore
102437Q2 2024Q4 2024Q2 2025Q4 2025Q1 2026
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QuarterTellerScore
Q2 202429
Q3 202422
Q4 202430
Q1 202522
Q2 202510
Q3 202523
Q4 202537
Q1 202615
Tier 1 leverage ratio
0.16%4.48%8.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q1 2026
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QuarterTier 1 leverage ratio
Q2 20248.80%
Q3 20248.23%
Q4 20248.03%
Q1 20257.33%
Q2 20255.14%
Q3 20255.14%
Q4 20256.70%
Q1 20260.16%
Noncurrent loans
6.78%12.03%17.28%Q2 2024Q4 2024Q2 2025Q4 2025Q1 2026
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QuarterNoncurrent loans
Q2 20246.78%
Q3 20248.10%
Q4 202413.50%
Q1 202512.83%
Q2 202514.71%
Q3 202511.41%
Q4 202510.15%
Q1 202617.28%
Return on assets
-6.88%-2.57%1.73%Q2 2024Q4 2024Q2 2025Q4 2025Q1 2026
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QuarterReturn on assets
Q2 20240.31%
Q3 2024-0.27%
Q4 20240.65%
Q1 20250.02%
Q2 2025-0.51%
Q3 20250.62%
Q4 20251.73%
Q1 2026-6.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q1 202615$292.6M0.16%17.28%-6.88%63.7%
Q4 202537$288.2M6.70%10.15%1.73%69.4%
Q3 202523$274.4M5.14%11.41%0.62%66.0%
Q2 202510$286.0M5.14%14.71%-0.51%96.7%
Q1 202522$236.1M7.33%12.83%0.02%89.0%
Q4 202430$216.6M8.03%13.50%0.65%81.2%
Q3 202422$176.2M8.23%8.10%-0.27%84.8%
Q2 202429$163.4M8.80%6.78%0.31%80.6%

2,684 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 ratio0.16%
0th
Total risk-based capital1.49%
46th
Problem loans17.28%
0th
Net charge-offs6.28%
0th
Return on assets-6.88%
0th
Net interest margin2.39%
3rd
Efficiency ratio92.4%
5th
Loans to deposits63.7%
77th
Uninsured deposits3.6%
100th
Loan-loss reserves4.21%
100th
Texas ratio280.0%
0th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
The Claxton BankBank Bellville, GA71 out of 100, Strong$294.8M13.4%0.39%vs
Georgia First BankBank Soperton, GA76 out of 100, Strong$295.7M9.7%0.07%vs
Farmers & Merchants BankBank Eatonton, GA63 out of 100, Moderate$299.0M10.9%0.84%vs
Classic City BankBank Athens, GA82 out of 100, Strong$302.0M11.2%0.00%vs
Durden Banking Company, IncorporatedBank Twin City, GA90 out of 100, Very strong$303.3M15.6%0.35%vs
Community Banking CompanyBank Fitzgerald, GA75 out of 100, Strong$305.5M10.9%0.74%vs

Deposit insurance

Is my money safe at Community Bank and Trust - West Georgia?

Community Bank and Trust - West Georgia is no longer an active bank in FDIC records (since 2026).

An estimated 3.6% of deposits ($10.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 0.16%, below the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 1.49% (benchmark: 10%).

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Community Bank and Trust - West Georgia
Former names
The Bank of Troup County; Community Bank and Trust - Troup
Type
State-chartered bank
FDIC certificate #
25796
RSSD ID
761833
Primary regulator
FDIC
Holding company
Community Bankshares Inc
Established
December 15, 1984
Headquarters
201 Broad St, Lagrange, GA 30240
Employees
44

Quick answers

Community Bank and Trust - West Georgia: common questions

Is Community Bank and Trust - West Georgia FDIC insured?

Community Bank and Trust - West Georgia is no longer an active bank in FDIC records (since 2026).

What is Community Bank and Trust - West Georgia's TellerScore?

15 out of 100 (Low), based on its Q1 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community Bank and Trust - West Georgia ever failed?

FDIC records show Community Bank and Trust - West Georgia failed on May 1, 2026.