TellerScore

Great Oaks Bank (FDIC certificate #16780) is based in Richmond Hill, Georgia. Its Q2 2026 call report shows $422.0M in total assets and $374.4M in deposits and 6 offices.

Based on its Q2 2026 filing, Great Oaks Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 59th. Its strongest component is problem-loan coverage (99/100; 0.6%), and its lowest is capital cushion (53/100; 10.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.25%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings77/100
Return on assets (annualized): 1.42%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 73.2% · 27.4% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.65%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).

TellerScore
737679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202473
Q4 202475
Q1 202575
Q2 202576
Q3 202576
Q4 202579
Q1 202677
Q2 202676
Tier 1 leverage ratio
5.00%7.80%10.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.28%
Q3 20249.12%
Q4 20249.27%
Q1 20259.37%
Q2 20259.45%
Q3 20259.37%
Q4 202510.61%
Q1 202610.38%
Q2 202610.25%
Noncurrent loans
0.00%0.07%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.14%
Q4 20240.04%
Q1 20250.04%
Q2 20250.04%
Q3 20250.00%
Q4 20250.01%
Q1 20260.03%
Q2 20260.10%
Return on assets
1.37%1.50%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.49%
Q3 20241.47%
Q4 20241.45%
Q1 20251.56%
Q2 20251.63%
Q3 20251.61%
Q4 20251.60%
Q1 20261.37%
Q2 20261.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$422.0M10.25%0.10%1.42%73.2%
Q1 202677$423.6M10.38%0.03%1.37%74.7%
Q4 202579$399.3M10.61%0.01%1.60%76.7%
Q3 202576$408.9M9.37%0.00%1.61%70.6%
Q2 202576$395.6M9.45%0.04%1.63%73.9%
Q1 202575$381.1M9.37%0.04%1.56%77.7%
Q4 202475$375.2M9.27%0.04%1.45%72.2%
Q3 202473$381.6M9.12%0.14%1.47%71.0%
Q2 202475$382.0M9.28%0.07%1.49%70.1%

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 ratio10.25%
37th
Total risk-based capital15.03%
68th
Problem loans0.10%
73rd
Net charge-offs-0.01%
88th
Return on assets1.42%
61st
Net interest margin4.52%
81st
Efficiency ratio68.6%
33rd
Loans to deposits73.2%
64th
Uninsured deposits27.4%
37th
Loan-loss reserves1.46%
76th
Texas ratio0.6%
74th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
River City BankBank Rome, GA77 out of 100, Strong$423.4M10.1%0.00%vs
The Citizens Bank of SwainsboroBank Swainsboro, GA82 out of 100, Strong$420.5M12.3%0.36%vs
F&M BankBank Washington, GA88 out of 100, Very strong$419.9M14.9%0.38%vs
Touchmark National BankBank Alpharetta, GA38 out of 100, Low$416.9M13.1%5.07%vs
CIBC National Trust CompanyBank Atlanta, GA93 out of 100, Very strong$412.8M59.6%0.00%vs
Exchange BankBank Milledgeville, GA66 out of 100, Moderate$410.3M11.9%0.03%vs

Deposit insurance

Is my money safe at Great Oaks Bank?

Yes. Great Oaks Bank is an FDIC-insured institution (FDIC certificate #16780). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.4% of deposits ($102.7M) 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 10.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.03% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Great Oaks Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Great Oaks Bank reported 98 home-loan applications under HMDA (LEI 254900LW4R4AM7URY378): 65 originated ($23,155,000 total), 14 denied, and 19 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.7%, 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
Great Oaks Bank
Former names
Citizens Bank & Trust Company; Citizens Sterling Bank; Citizens Bank & Trust Co.
Type
State-chartered bank
FDIC certificate #
16780
RSSD ID
364131
Primary regulator
FDIC
Holding company
Great Oaks Finl Holdings Inc
Established
January 1, 1934
Headquarters
42 Town Center Dr, Richmond Hill, GA 31324
Employees
66

Quick answers

Great Oaks Bank: common questions

Is Great Oaks Bank FDIC insured?

Yes. Great Oaks Bank is an FDIC-insured institution (FDIC certificate #16780). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Great Oaks Bank's TellerScore?

76 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 Great Oaks Bank ever failed?

There is no failure record for FDIC certificate #16780 in the FDIC failed bank list.

How many branches does Great Oaks Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Richmond Hill

InstitutionScoreAssetsCapitalProblem loansCompare
Workmen'S Circle Incorporated Credit UnionCredit union Savannah, GA90 out of 100, Very strong$135.0M20.8%0.00%vs
Interstate Credit UnionCredit union Jesup, GA89 out of 100, Very strong$410.9M15.8%0.54%vs
Carver State BankBank Savannah, GA89 out of 100, Very strong$111.2M15.0%0.37%vs
Southeastern BankBank Darien, GA86 out of 100, Very strong$624.9M13.4%0.38%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
South Georgia BankBank Glennville, GA81 out of 100, Strong$269.5M10.6%0.16%vs