TellerScore

Georgia Banking Company (FDIC certificate #57071) is based in Atlanta, Georgia. Its Q2 2026 call report shows $3.3B in total assets and $2.9B in deposits and 10 offices.

Based on its Q2 2026 filing, Georgia Banking Company scores 64/100, which we describe as moderate. That is higher than only 33% of 897 banks with $1 billion – $10 billion. Among 124 banks headquartered in Georgia, it ranks 105th. Its strongest component is problem-loan coverage (90/100; 5.0%), and its lowest is funding & liquidity (39/100; 89% loans-to-deposits, 44% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.78%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.67%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 89.0% · 44.1% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.00%

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 9 points (55 → 64), mostly because the funding & liquidity component improved by 21 points.

TellerScore
485664Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202448
Q3 202449
Q4 202454
Q1 202552
Q2 202555
Q3 202557
Q4 202559
Q1 202661
Q2 202664
Tier 1 leverage ratio
5.00%7.89%10.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.95%
Q3 20248.75%
Q4 20248.22%
Q1 202510.07%
Q2 20259.33%
Q3 20259.33%
Q4 20259.37%
Q1 202610.15%
Q2 202610.78%
Noncurrent loans
0.43%0.79%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.14%
Q3 20240.89%
Q4 20240.43%
Q1 20250.59%
Q2 20250.54%
Q3 20250.57%
Q4 20250.66%
Q1 20260.79%
Q2 20260.67%
Return on assets
0.07%0.66%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.46%
Q4 20240.57%
Q1 20250.07%
Q2 20250.69%
Q3 20250.88%
Q4 20250.99%
Q1 20261.25%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$3.3B10.78%0.67%1.05%89.0%
Q1 202661$2.7B10.15%0.79%1.25%100.5%
Q4 202559$2.7B9.37%0.66%0.99%92.9%
Q3 202557$2.7B9.33%0.57%0.88%101.5%
Q2 202555$2.6B9.33%0.54%0.69%106.4%
Q1 202552$2.5B10.07%0.59%0.07%99.7%
Q4 202454$2.3B8.22%0.43%0.57%95.8%
Q3 202449$2.1B8.75%0.89%0.46%104.2%
Q2 202448$1.8B8.95%1.14%0.30%97.6%

897 peers · $1 billion – $10 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 ratio10.78%
56th
Total risk-based capital13.05%
42nd
Problem loans0.67%
39th
Net charge-offs0.08%
34th
Return on assets1.05%
34th
Net interest margin4.21%
78th
Efficiency ratio64.0%
34th
Loans to deposits89.0%
45th
Uninsured deposits44.1%
19th
Loan-loss reserves1.12%
45th
Texas ratio5.0%
38th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Colony BankBank Fitzgerald, GA64 out of 100, Moderate$3.6B10.0%0.76%vs
Vallant BankBank Elberton, GA78 out of 100, Strong$4.0B12.7%0.51%vs
Queensborough National Bank & Trust CompanyBank Louisville, GA62 out of 100, Moderate$2.3B8.6%0.59%vs
Thomasville National BankBank Thomasville, GA76 out of 100, Strong$2.2B10.7%0.22%vs
United BankBank Zebulon, GA89 out of 100, Very strong$2.2B12.8%0.23%vs
Metro City BankBank Doraville, GA73 out of 100, Strong$4.5B11.1%0.44%vs

Deposit insurance

Is my money safe at Georgia Banking Company?

Yes. Georgia Banking Company is an FDIC-insured institution (FDIC certificate #57071). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.1% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.05% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Georgia Banking Company lists 10 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Georgia Banking Company reported 306 home-loan applications under HMDA (LEI 5493001P6QB5ISAUNV97): 250 originated ($109,130,000 total), 13 denied, and 40 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.9%, 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
Georgia Banking Company
Type
State-chartered bank
FDIC certificate #
57071
RSSD ID
3016347
Primary regulator
FDIC
Holding company
Georgia Banking Co Inc
Established
November 1, 2001
Headquarters
1776 Peachtree St Nw, Atlanta, GA 30309
Employees
275

Quick answers

Georgia Banking Company: common questions

Is Georgia Banking Company FDIC insured?

Yes. Georgia Banking Company is an FDIC-insured institution (FDIC certificate #57071). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Georgia Banking Company's TellerScore?

64 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 Georgia Banking Company ever failed?

There is no failure record for FDIC certificate #57071 in the FDIC failed bank list.

How many branches does Georgia Banking Company have?

10 offices as of the latest FDIC data.

Nearby

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