TellerScore

Georgia Community Bank (FDIC certificate #35320) is based in Albany, Georgia. Its Q2 2026 call report shows $375.0M in total assets and $321.7M in deposits and 8 offices.

Georgia Community Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 48th. Earnings contributes the most (92/100, 1.80%); loan quality contributes the least (58/100, 1.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Tier 1 leverage ratio: 13.67%
Loan quality58/100
Noncurrent loans ÷ total loans: 1.25%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 78.4% · 27.9% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.15%

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 3 points (81 → 78), mostly because the loan quality component weakened by 22 points.

TellerScore
778184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202478
Q3 202480
Q4 202483
Q1 202578
Q2 202581
Q3 202584
Q4 202578
Q1 202677
Q2 202678
Tier 1 leverage ratio
5.00%9.54%14.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.40%
Q3 202412.84%
Q4 202412.84%
Q1 202513.02%
Q2 202513.17%
Q3 202513.55%
Q4 202514.08%
Q1 202613.61%
Q2 202613.67%
Noncurrent loans
0.26%0.88%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.45%
Q3 20240.36%
Q4 20240.26%
Q1 20250.81%
Q2 20250.61%
Q3 20250.50%
Q4 20251.51%
Q1 20261.35%
Q2 20261.25%
Return on assets
1.33%1.60%1.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.33%
Q3 20241.42%
Q4 20241.60%
Q1 20251.58%
Q2 20251.73%
Q3 20251.82%
Q4 20251.87%
Q1 20261.72%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$375.0M13.67%1.25%1.80%78.4%
Q1 202677$384.9M13.61%1.35%1.72%74.4%
Q4 202578$380.1M14.08%1.51%1.87%77.2%
Q3 202584$367.0M13.55%0.50%1.82%82.6%
Q2 202581$373.9M13.17%0.61%1.73%81.7%
Q1 202578$382.0M13.02%0.81%1.58%80.4%
Q4 202483$386.9M12.84%0.26%1.60%77.0%
Q3 202480$377.4M12.84%0.36%1.42%80.5%
Q2 202478$370.4M12.40%0.45%1.33%80.5%

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 ratio13.67%
80th
Total risk-based capital0.00%
24th
Problem loans1.25%
23rd
Net charge-offs0.09%
20th
Return on assets1.80%
80th
Net interest margin4.92%
91st
Efficiency ratio62.1%
51st
Loans to deposits78.4%
53rd
Uninsured deposits27.9%
35th
Loan-loss reserves1.26%
57th
Texas ratio6.2%
30th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of GriffinBank Griffin, GA84 out of 100, Strong$368.3M11.4%0.04%vs
Rabun County BankBank Clayton, GA81 out of 100, Strong$361.5M10.5%0.05%vs
First National Bank of Decatur CountyBank Bainbridge, GA55 out of 100, Moderate$359.6M7.4%0.36%vs
Flint Community BankBank Albany, GA54 out of 100, Below average$357.1M9.1%2.05%vs
Citizens Bank of the SouthBank Sandersville, GA76 out of 100, Strong$395.1M11.9%0.45%vs
First Southern BankBank Waycross, GA74 out of 100, Strong$347.2M10.9%0.01%vs

Deposit insurance

Is my money safe at Georgia Community Bank?

Yes. Georgia Community Bank is an FDIC-insured institution (FDIC certificate #35320). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.9% of deposits ($89.8M) 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 13.67%, 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%).

Check how much of your own balance is covered

8 locations

Branches

Georgia Community Bank lists 7 offices in 6 cities. Most locations:

  • Albany, GA (2)
  • Blakely, GA (1)
  • Dawson, GA (1)
  • Donalsonville, GA (1)
  • Reynolds, GA (1)
  • Roberta, GA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Georgia Community Bank reported 372 home-loan applications under HMDA (LEI 549300FKW6LAHX0L9161): 361 originated ($36,085,000 total), 5 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.3%, 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 Community Bank
Former names
Bank of Terrell
Type
State-chartered bank
FDIC certificate #
35320
RSSD ID
2823221
Primary regulator
FDIC
Holding company
Georgia Community Bcorp Inc
Established
August 31, 1999
Headquarters
704 N Westover Blvd, Albany, GA 31707
Employees
78

Quick answers

Georgia Community Bank: common questions

Is Georgia Community Bank FDIC insured?

Yes. Georgia Community Bank is an FDIC-insured institution (FDIC certificate #35320). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Georgia Community Bank's TellerScore?

78 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 Georgia Community Bank ever failed?

There is no failure record for FDIC certificate #35320 in the FDIC failed bank list.

How many branches does Georgia Community Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Albany

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of DawsonBank Dawson, GA94 out of 100, Very strong$159.9M18.2%0.22%vs
South Georgia Banking CompanyBank Omega, GA85 out of 100, Very strong$570.1M13.9%0.55%vs
Ab&tBank Albany, GA83 out of 100, Strong$261.2M11.8%0.00%vs
The Bridgeway Federal Credit UnionCredit union Phenix City, AL72 out of 100, Strong$62.3M16.3%1.01%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs
Planters and Citizens BankBank Camilla, GA71 out of 100, Strong$139.2M10.5%0.06%vs