TellerScore

The Claxton Bank is a state-chartered bank headquartered in Bellville, Georgia, in business for about 85 years. At the end of Q2 2026 it reported $304.8M in total assets and $249.1M in deposits, with 4 offices across 2 states.

Based on its Q2 2026 filing, The Claxton Bank scores 50/100, which we describe as below average. That is higher than only 7% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 118th. Its strongest component is capital cushion (76/100; 12.60%), and its lowest is loan quality (16/100; 2.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Tier 1 leverage ratio: 12.60%
Loan quality16/100
Noncurrent loans ÷ total loans: 2.51%
Earnings33/100
Return on assets (annualized): 0.34%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 85.2% · 27.9% uninsured
Problem-loan coverage72/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 14.01%

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 27 points (77 → 50), mostly because the loan quality component weakened by 65 points.

TellerScore
506783Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202481
Q4 202478
Q1 202578
Q2 202577
Q3 202578
Q4 202577
Q1 202671
Q2 202650
Tier 1 leverage ratio
5.00%12.58%20.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202420.15%
Q3 202418.50%
Q4 202417.11%
Q1 202516.02%
Q2 202515.65%
Q3 202515.04%
Q4 202514.15%
Q1 202613.41%
Q2 202612.60%
Noncurrent loans
0.31%1.41%2.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.31%
Q3 20240.44%
Q4 20240.69%
Q1 20250.61%
Q2 20250.58%
Q3 20250.54%
Q4 20250.47%
Q1 20260.39%
Q2 20262.51%
Return on assets
0.13%0.38%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.62%
Q3 20240.57%
Q4 20240.47%
Q1 20250.40%
Q2 20250.54%
Q3 20250.47%
Q4 20250.43%
Q1 20260.13%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$304.8M12.60%2.51%0.34%85.2%
Q1 202671$294.8M13.41%0.39%0.13%83.5%
Q4 202577$265.3M14.15%0.47%0.43%75.2%
Q3 202578$259.7M15.04%0.54%0.47%72.4%
Q2 202577$237.9M15.65%0.58%0.54%76.3%
Q1 202578$227.2M16.02%0.61%0.40%70.2%
Q4 202478$222.8M17.11%0.69%0.47%63.4%
Q3 202481$197.3M18.50%0.44%0.57%65.7%
Q2 202483$190.4M20.15%0.31%0.62%63.2%

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 ratio12.60%
71st
Total risk-based capital16.65%
76th
Problem loans2.51%
8th
Net charge-offs0.00%
59th
Return on assets0.34%
8th
Net interest margin4.08%
58th
Efficiency ratio84.6%
9th
Loans to deposits85.2%
37th
Uninsured deposits27.9%
35th
Loan-loss reserves1.43%
74th
Texas ratio14.0%
11th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Craft BankBank Atlanta, GA68 out of 100, Moderate$305.9M13.8%1.61%vs
United National BankBank Cairo, GA65 out of 100, Moderate$308.7M14.8%2.15%vs
Durden Banking Company, IncorporatedBank Twin City, GA92 out of 100, Very strong$299.2M16.2%0.11%vs
Community Banking CompanyBank Fitzgerald, GA77 out of 100, Strong$297.3M11.3%0.64%vs
Classic City BankBank Athens, GA80 out of 100, Strong$314.3M11.0%0.00%vs
Georgia First BankBank Soperton, GA75 out of 100, Strong$290.8M9.5%0.07%vs

Deposit insurance

Is my money safe at The Claxton Bank?

Yes. The Claxton Bank is an FDIC-insured institution (FDIC certificate #15826). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.9% of deposits ($69.6M) 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 12.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.65% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

The Claxton Bank lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Claxton Bank reported 21 home-loan applications under HMDA (LEI 2549002CETMLVOOVS913): 17 originated ($12,925,000 total), 1 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.6%, 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
The Claxton Bank
Type
State-chartered bank
FDIC certificate #
15826
RSSD ID
452739
Primary regulator
FDIC
Holding company
Tcb Financial Inc
Established
February 24, 1941
Headquarters
1433 Bernie Anderson Highway, Bellville, GA 30414
Employees
43

Quick answers

The Claxton Bank: common questions

Is The Claxton Bank FDIC insured?

Yes. The Claxton Bank is an FDIC-insured institution (FDIC certificate #15826). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Claxton Bank's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Claxton Bank ever failed?

There is no failure record for FDIC certificate #15826 in the FDIC failed bank list.

How many branches does The Claxton Bank have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Bellville

InstitutionScoreAssetsCapitalProblem loansCompare
Durden Banking Company, IncorporatedBank Twin City, GA92 out of 100, Very strong$299.2M16.2%0.11%vs
The Citizens Bank of SwainsboroBank Swainsboro, GA82 out of 100, Strong$420.5M12.3%0.36%vs
South Georgia BankBank Glennville, GA81 out of 100, Strong$269.5M10.6%0.16%vs
Core Credit UnionCredit union Statesboro, GA79 out of 100, Strong$151.6M12.8%0.37%vs
Vallant BankBank Elberton, GA78 out of 100, Strong$4.0B12.7%0.51%vs
Citizens Bank of the SouthBank Sandersville, GA76 out of 100, Strong$395.1M11.9%0.45%vs