TellerScore

Community Bank of Pickens County is a state-chartered bank headquartered in Jasper, Georgia, in business for about 26 years. At the end of Q2 2026 it reported $628.6M in total assets and $537.8M in deposits, with 2 offices.

Community Bank of Pickens County has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 70th. Earnings contributes the most (100/100, 2.35%); loan quality contributes the least (35/100, 1.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Tier 1 leverage ratio: 13.55%
Loan quality35/100
Noncurrent loans ÷ total loans: 1.96%
Earnings100/100
Return on assets (annualized): 2.35%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 90.0% · 16.2% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.01%

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 7 points (80 → 73), mostly because the loan quality component weakened by 24 points.

TellerScore
617180Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202461
Q4 202462
Q1 202578
Q2 202580
Q3 202579
Q4 202571
Q1 202671
Q2 202673
Tier 1 leverage ratio
5.00%9.37%13.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.08%
Q3 202412.75%
Q4 202412.81%
Q1 202513.18%
Q2 202513.74%
Q3 202513.21%
Q4 202513.42%
Q1 202613.64%
Q2 202613.55%
Noncurrent loans
1.20%2.24%3.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20243.29%
Q3 20243.03%
Q4 20242.90%
Q1 20251.32%
Q2 20251.24%
Q3 20251.20%
Q4 20252.11%
Q1 20262.12%
Q2 20261.96%
Return on assets
2.24%2.49%2.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.27%
Q3 20242.28%
Q4 20242.24%
Q1 20252.48%
Q2 20252.73%
Q3 20252.68%
Q4 20252.58%
Q1 20262.28%
Q2 20262.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$628.6M13.55%1.96%2.35%90.0%
Q1 202671$639.3M13.64%2.12%2.28%85.4%
Q4 202571$629.6M13.42%2.11%2.58%85.3%
Q3 202579$613.1M13.21%1.20%2.68%85.0%
Q2 202580$595.1M13.74%1.24%2.73%88.2%
Q1 202578$594.8M13.18%1.32%2.48%84.0%
Q4 202462$582.6M12.81%2.90%2.24%85.2%
Q3 202461$559.5M12.75%3.03%2.28%86.0%
Q2 202462$548.5M13.08%3.29%2.27%85.9%

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).

Capital ratio13.55%
79th
Total risk-based capital20.13%
87th
Problem loans1.96%
13th
Net charge-offs-0.04%
95th
Return on assets2.35%
94th
Net interest margin4.72%
86th
Efficiency ratio38.1%
97th
Loans to deposits90.0%
26th
Uninsured deposits16.2%
78th
Loan-loss reserves1.12%
41st
Texas ratio11.0%
16th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Southeastern BankBank Darien, GA86 out of 100, Very strong$624.9M13.4%0.38%vs
First Port City BankBank Bainbridge, GA66 out of 100, Moderate$623.9M10.5%1.04%vs
Northeast Georgia BankBank Lavonia, GA93 out of 100, Very strong$650.6M13.4%0.01%vs
The Citizens Bank of GeorgiaBank Cumming, GA85 out of 100, Very strong$598.5M11.5%0.00%vs
Guardian BankBank Valdosta, GA65 out of 100, Moderate$597.9M11.5%1.49%vs
Pineland BankBank Alma, GA75 out of 100, Strong$597.1M10.5%0.49%vs

Deposit insurance

Is my money safe at Community Bank of Pickens County?

Yes. Community Bank of Pickens County is an FDIC-insured institution (FDIC certificate #35513). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.2% of deposits ($87.0M) 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 13.55%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.13% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Community Bank of Pickens County lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Bank of Pickens County reported 54 home-loan applications under HMDA (LEI 254900A4WMCRPWZCPS41): 54 originated ($23,250,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Community Bank of Pickens County
Type
State-chartered bank
FDIC certificate #
35513
RSSD ID
2943615
Primary regulator
FDIC
Holding company
Community Banks of Georgia Inc
Established
October 2, 2000
Headquarters
15 Sammy Mcghee Blvd, Jasper, GA 30143
Employees
67

Quick answers

Community Bank of Pickens County: common questions

Is Community Bank of Pickens County FDIC insured?

Yes. Community Bank of Pickens County is an FDIC-insured institution (FDIC certificate #35513). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank of Pickens County's TellerScore?

73 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 Community Bank of Pickens County ever failed?

There is no failure record for FDIC certificate #35513 in the FDIC failed bank list.

How many branches does Community Bank of Pickens County have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jasper

InstitutionScoreAssetsCapitalProblem loansCompare
Northside Federal Credit UnionCredit union Atlanta, GA88 out of 100, Very strong$20.8M18.9%0.54%vs
The Citizens Bank of GeorgiaBank Cumming, GA85 out of 100, Very strong$598.5M11.5%0.00%vs
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs
Delta Community Credit UnionCredit union Atlanta, GA81 out of 100, Strong$9.1B12.6%0.22%vs
Associated Credit UnionCredit union Norcross, GA77 out of 100, Strong$2.5B13.0%0.30%vs
River City BankBank Rome, GA77 out of 100, Strong$423.4M10.1%0.00%vs