TellerScore

The Bank of Edison (FDIC certificate #5686) is based in Edison, Georgia. Its Q2 2026 call report shows $83.9M in total assets and $78.6M in deposits and 1 office.

The Bank of Edison has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 18% of its 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 110th. Earnings contributes the most (92/100, 1.80%); loan quality contributes the least (40/100, 1.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.08%
Loan quality40/100
Noncurrent loans ÷ total loans: 1.79%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 63.1% · 26.5% uninsured
Problem-loan coverage69/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 15.50%

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 (60 → 60).

TellerScore
526577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202468
Q4 202463
Q1 202577
Q2 202560
Q3 202554
Q4 202552
Q1 202655
Q2 202660
Tier 1 leverage ratio
5.00%7.04%9.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.74%
Q3 20248.54%
Q4 20248.49%
Q1 20258.96%
Q2 20259.04%
Q3 20258.96%
Q4 20258.24%
Q1 20268.45%
Q2 20269.08%
Noncurrent loans
0.19%1.14%2.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.31%
Q3 20240.50%
Q4 20240.60%
Q1 20250.19%
Q2 20251.59%
Q3 20252.09%
Q4 20251.74%
Q1 20261.71%
Q2 20261.79%
Return on assets
0.87%1.36%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20241.34%
Q4 20240.87%
Q1 20251.85%
Q2 20251.44%
Q3 20251.22%
Q4 20250.87%
Q1 20261.27%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$83.9M9.08%1.79%1.80%63.1%
Q1 202655$84.9M8.45%1.71%1.27%61.4%
Q4 202552$84.7M8.24%1.74%0.87%58.9%
Q3 202554$88.4M8.96%2.09%1.22%57.7%
Q2 202560$80.5M9.04%1.59%1.44%61.2%
Q1 202577$80.5M8.96%0.19%1.85%54.9%
Q4 202463$79.0M8.49%0.60%0.87%56.2%
Q3 202468$83.4M8.54%0.50%1.34%63.1%
Q2 202468$80.6M8.74%0.31%1.11%60.2%

546 peers · Under $100 million in assets

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 ratio9.08%
10th
Total risk-based capital15.52%
63rd
Problem loans1.79%
22nd
Net charge-offs0.09%
19th
Return on assets1.80%
84th
Net interest margin4.41%
72nd
Efficiency ratio68.7%
55th
Loans to deposits63.1%
55th
Uninsured deposits26.5%
17th
Loan-loss reserves1.47%
66th
Texas ratio15.5%
10th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Hancock CountyBank Sparta, GA81 out of 100, Strong$85.2M20.2%0.82%vs
Rochelle State BankBank Rochelle, GA29 out of 100, Low$85.6M8.0%3.40%vs
First State Bank of Randolph CountyBank Cuthbert, GA27 out of 100, Low$86.9M8.3%4.53%vs
The Four County BankBank Allentown, GA87 out of 100, Very strong$87.1M13.8%0.68%vs
F & M Bank and Trust CompanyBank Manchester, GA69 out of 100, Moderate$87.4M10.2%0.52%vs
First Bank of PikeBank Zebulon, GA70 out of 100, Strong$87.5M9.9%0.79%vs

Deposit insurance

Is my money safe at The Bank of Edison?

Yes. The Bank of Edison is an FDIC-insured institution (FDIC certificate #5686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.5% of deposits ($20.8M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.08%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.52% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The Bank of Edison lists 1 office in 1 city. Most locations:

  • Edison, GA (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Bank of Edison
Type
State-chartered bank
FDIC certificate #
5686
RSSD ID
610539
Primary regulator
FDIC
Holding company
Boe Bancshares Inc
Established
October 1, 1904
Headquarters
476 Turner St, Edison, GA 39846
Employees
20

Quick answers

The Bank of Edison: common questions

Is The Bank of Edison FDIC insured?

Yes. The Bank of Edison is an FDIC-insured institution (FDIC certificate #5686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Bank of Edison's TellerScore?

60 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 The Bank of Edison ever failed?

There is no failure record for FDIC certificate #5686 in the FDIC failed bank list.

How many branches does The Bank of Edison have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Edison

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of DawsonBank Dawson, GA94 out of 100, Very strong$159.9M18.2%0.22%vs
Georgia Community BankBank Albany, GA78 out of 100, Strong$375.0M13.7%1.25%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs
PeoplesSouth BankBank Colquitt, GA69 out of 100, Moderate$1.2B10.4%1.02%vs
First State Bank of BlakelyBank Blakely, GA65 out of 100, Moderate$668.2M19.2%3.36%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs