Community Banking Company is a state-chartered bank headquartered in Fitzgerald, Georgia, in business for about 30 years. At the end of Q2 2026 it reported $297.3M in total assets and $259.9M in deposits, with 3 offices.
Based on its Q2 2026 filing, Community Banking Company scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 55th. Its strongest component is problem-loan coverage (94/100; 3.0%), and its lowest is capital cushion (63/100; 11.26%).
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 2 points (75 → 77), mostly because the earnings component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 79 |
| Q4 2024 | 75 |
| Q1 2025 | 74 |
| Q2 2025 | 75 |
| Q3 2025 | 77 |
| Q4 2025 | 74 |
| Q1 2026 | 75 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.20% |
| Q3 2024 | 11.61% |
| Q4 2024 | 11.12% |
| Q1 2025 | 10.94% |
| Q2 2025 | 11.34% |
| Q3 2025 | 11.52% |
| Q4 2025 | 10.98% |
| Q1 2026 | 10.86% |
| Q2 2026 | 11.26% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.55% |
| Q3 2024 | 0.65% |
| Q4 2024 | 0.86% |
| Q1 2025 | 0.80% |
| Q2 2025 | 0.77% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.74% |
| Q2 2026 | 0.64% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.72% |
| Q3 2024 | 1.71% |
| Q4 2024 | 1.64% |
| Q1 2025 | 1.49% |
| Q2 2025 | 1.50% |
| Q3 2025 | 1.58% |
| Q4 2025 | 1.54% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $297.3M | 11.26% | 0.64% | 1.66% | 65.8% |
| Q1 2026 | 75 | $305.5M | 10.86% | 0.74% | 1.68% | 63.3% |
| Q4 2025 | 74 | $302.0M | 10.98% | 0.80% | 1.54% | 59.4% |
| Q3 2025 | 77 | $282.1M | 11.52% | 0.72% | 1.58% | 63.5% |
| Q2 2025 | 75 | $282.5M | 11.34% | 0.77% | 1.50% | 61.0% |
| Q1 2025 | 74 | $279.9M | 10.94% | 0.80% | 1.49% | 61.6% |
| Q4 2024 | 75 | $279.1M | 11.12% | 0.86% | 1.64% | 59.6% |
| Q3 2024 | 79 | $265.3M | 11.61% | 0.65% | 1.71% | 61.7% |
| Q2 2024 | 79 | $261.8M | 11.20% | 0.55% | 1.72% | 61.7% |
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 |
|---|---|---|---|---|---|
| Durden Banking Company, IncorporatedBank Twin City, GA | 92 out of 100, Very strong | $299.2M | 16.2% | 0.11% | vs |
| Georgia First BankBank Soperton, GA | 75 out of 100, Strong | $290.8M | 9.5% | 0.07% | vs |
| The Claxton BankBank Bellville, GA | 50 out of 100, Below average | $304.8M | 12.6% | 2.51% | vs |
| Farmers & Merchants BankBank Eatonton, GA | 66 out of 100, Moderate | $289.6M | 11.2% | 0.74% | vs |
| Craft BankBank Atlanta, GA | 68 out of 100, Moderate | $305.9M | 13.8% | 1.61% | vs |
| United National BankBank Cairo, GA | 65 out of 100, Moderate | $308.7M | 14.8% | 2.15% | vs |
Deposit insurance
Is my money safe at Community Banking Company?
Yes. Community Banking Company is an FDIC-insured institution (FDIC certificate #34160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.2% of deposits ($73.2M) 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 11.26%, 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%).
3 locations
Branches
Community Banking Company lists 2 offices in 2 cities. Most locations:
- Fitzgerald, GA (1)
- Ocilla, GA (1)
Identity & history
Profile
- Legal name
- Community Banking Company
- Former names
- Community Banking Company of Fitzgerald
- Type
- State-chartered bank
- FDIC certificate #
- 34160
- RSSD ID
- 553038
- Primary regulator
- FDIC
- Holding company
- Cbc Holding Co
- Established
- April 19, 1996
- Headquarters
- 102 W Roanoke Dr, Fitzgerald, GA 31750
- Employees
- 37
Quick answers
Community Banking Company: common questions
Is Community Banking Company FDIC insured?
Yes. Community Banking Company is an FDIC-insured institution (FDIC certificate #34160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community Banking Company's TellerScore?
77 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 Banking Company ever failed?
There is no failure record for FDIC certificate #34160 in the FDIC failed bank list.
How many branches does Community Banking Company have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fitzgerald
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Georgia Banking CompanyBank Omega, GA | 85 out of 100, Very strong | $570.1M | 13.9% | 0.55% | vs |
| Commercial Banking CompanyBank Valdosta, GA | 79 out of 100, Strong | $409.5M | 10.3% | 0.04% | vs |
| Great Oaks BankBank Richmond Hill, GA | 76 out of 100, Strong | $422.0M | 10.3% | 0.10% | vs |
| Pineland BankBank Alma, GA | 75 out of 100, Strong | $597.1M | 10.5% | 0.49% | vs |
| Southeastern Credit UnionCredit union Valdosta, GA | 73 out of 100, Strong | $440.7M | 10.8% | 0.41% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |