The Geo. D. Warthen Bank is a state-chartered bank headquartered in Sandersville, Georgia, in business for about 155 years. At the end of Q2 2026 it reported $190.3M in total assets and $162.9M in deposits, with 1 office.
Based on its Q2 2026 filing, The Geo. D. Warthen Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 72nd. Its strongest component is problem-loan coverage (88/100; 5.8%), and its lowest is loan quality (58/100; 1.27%).
TellerScore · Q2 2026
Scorecard
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 4 points (69 → 73), mostly because the capital cushion component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 65 |
| Q4 2024 | 69 |
| Q1 2025 | 68 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 74 |
| Q1 2026 | 71 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.56% |
| Q3 2024 | 10.88% |
| Q4 2024 | 11.38% |
| Q1 2025 | 11.47% |
| Q2 2025 | 11.95% |
| Q3 2025 | 12.41% |
| Q4 2025 | 12.85% |
| Q1 2026 | 12.51% |
| Q2 2026 | 13.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.16% |
| Q3 2024 | 1.41% |
| Q4 2024 | 1.30% |
| Q1 2025 | 1.30% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.40% |
| Q4 2025 | 1.16% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.27% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 1.22% |
| Q4 2024 | 1.20% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.18% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.24% |
| Q1 2026 | 1.21% |
| Q2 2026 | 1.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $190.3M | 13.01% | 1.27% | 1.10% | 64.9% |
| Q1 2026 | 71 | $206.7M | 12.51% | 1.38% | 1.21% | 58.3% |
| Q4 2025 | 74 | $195.3M | 12.85% | 1.16% | 1.24% | 65.8% |
| Q3 2025 | 70 | $198.5M | 12.41% | 1.40% | 1.17% | 63.4% |
| Q2 2025 | 69 | $201.1M | 11.95% | 1.29% | 1.18% | 63.8% |
| Q1 2025 | 68 | $203.3M | 11.47% | 1.30% | 1.16% | 61.5% |
| Q4 2024 | 69 | $202.1M | 11.38% | 1.30% | 1.20% | 60.9% |
| Q3 2024 | 65 | $211.4M | 10.88% | 1.41% | 1.22% | 58.1% |
| Q2 2024 | 67 | $210.8M | 10.56% | 1.16% | 1.23% | 60.4% |
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).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples BankBank Lyons, GA | 49 out of 100, Below average | $192.4M | 11.2% | 5.12% | vs |
| Bank of CamillaBank Camilla, GA | 89 out of 100, Very strong | $188.1M | 20.8% | 0.37% | vs |
| Farmers State BankBank Lincolnton, GA | 97 out of 100, Very strong | $186.2M | 15.4% | 0.17% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| The Citizens Bank of CochranBank Cochran, GA | 90 out of 100, Very strong | $201.4M | 14.8% | 0.33% | vs |
| Legacy State BankBank Loganville, GA | 75 out of 100, Strong | $205.9M | 12.1% | 0.05% | vs |
Deposit insurance
Is my money safe at The Geo. D. Warthen Bank?
Yes. The Geo. D. Warthen Bank is an FDIC-insured institution (FDIC certificate #2154). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.7% of deposits ($41.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.99% (benchmark: 10%).
1 location
Branches
The Geo. D. Warthen Bank lists 1 office in 1 city. Most locations:
- Sandersville, GA (1)
Identity & history
Profile
- Legal name
- The Geo. D. Warthen Bank
- Former names
- The Geo. D. Warthen National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 2154
- RSSD ID
- 305237
- Primary regulator
- FDIC
- Holding company
- Gdw Bankshares Inc
- Established
- January 1, 1871
- Headquarters
- 216 N Harris St, Sandersville, GA 31082
- Website
- www.gdwbank.com
- Employees
- 37
Quick answers
The Geo. D. Warthen Bank: common questions
Is The Geo. D. Warthen Bank FDIC insured?
Yes. The Geo. D. Warthen Bank is an FDIC-insured institution (FDIC certificate #2154). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Geo. D. Warthen Bank's TellerScore?
73 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 The Geo. D. Warthen Bank ever failed?
There is no failure record for FDIC certificate #2154 in the FDIC failed bank list.
How many branches does The Geo. D. Warthen Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sandersville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Century Bank and TrustBank Milledgeville, GA | 87 out of 100, Very strong | $490.7M | 11.8% | 0.07% | vs |
| Bank of Hancock CountyBank Sparta, GA | 81 out of 100, Strong | $85.2M | 20.2% | 0.82% | vs |
| Citizens Bank of the SouthBank Sandersville, GA | 76 out of 100, Strong | $395.1M | 11.9% | 0.45% | vs |
| Apex Banking Company of GeorgiaBank Cleveland, GA | 70 out of 100, Strong | $72.6M | 9.7% | 0.03% | vs |
| BankSouthBank Greensboro, GA | 68 out of 100, Moderate | $1.6B | 10.2% | 0.55% | vs |
| Queensborough National Bank & Trust CompanyBank Louisville, GA | 62 out of 100, Moderate | $2.3B | 8.6% | 0.59% | vs |