Bank of Dudley

1448 Second Street
Dudley, GA 31022


General Bank Information

FDIC Insured Yes
FDIC Certificate # 9068
Date Established 1905
Assets $0.22 billion
Loans $0.15 billion
Deposits $0.19 billion
Capital $0.02 billion

Bank of Dudley is an FDIC insured institution located in Dudley, GA. It was founded in 1905 and has approximately $0.22 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of Bank of Dudley's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Dudley’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Georgia, Bank of Dudley has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.95
Credit Card Loans 0.70
Consumer Auto Loans 1.46
Small Business Loans 29.21
Construction and Development Loans 14.35
Commercial Real Estate 42.74
Commercial and Industrial Loans 11.51
Farm Loans 0.11

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.25% $100 - Learn MoreShow Less
6 Mo CD 10K
0.35% $100 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.50% $100 - Learn MoreShow Less
MM 10K
0.20% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.15% $800 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Dudley

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2229
License#: MC-5591
4.078% 4.000% 0.38 $2,345 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bank of Dudley
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Financial Details

Bank of Dudley Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Dudley. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Dudley U.S. Bank Average
11.25% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bank of Dudley had $2,952,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $24,272,000 in equity and $1,974,000 in loans loss reserves. That gives it a Texas Ratio of 11.25%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Dudley U.S. Bank Average
8.63% 8.58

Bank of Dudley has a Return on Equity of 8.63% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Dudley U.S. Bank Average
11.09% 12.11

Bank of Dudley has a Capitalization of 11.09% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Dudley Balance Sheet Analysis

As of June 30, 2017, Bank of Dudley had assets of $218,899,000, loans of $146,607,000, and deposits of $194,383,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Bank of Dudley

Branches and Savings

Is Bank of Dudley FDIC insured?

Yes. It is covered under FDIC Certificate #9068.

Why does Bank of Dudley pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank of Dudley CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank of Dudley a commercial bank?


Where are Bank of Dudley locations?

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Is Bank of Dudley open on Saturdays?

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Are Bank of Dudley ATMs Open 24/7?

Do Bank of Dudley ATMs accept cash deposits?

Can Bank of Dudley customers use other ATMs?

Do Bank of Dudley branches have notaries?

Will Bank of Dudley notarize my document?

What address for Bank of Dudley should I put for incoming ACH transfers?

Will the Bank of Dudley branch print checks?

Do Bank of Dudley checks expire?

Does Bank of Dudley require US citizenship to open account?

Can Bank of Dudley close my account?

Does Bank of Dudley Report to credit bureaus?

Does Bank of Dudley Use Equifax?

What is Bank of Dudley's ACH Routing Number?

What is Bank of Dudley's SWIFT code?


Does Bank of Dudley offer mortgages?

Compare mortgage rates here.

Does Bank of Dudley offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of Dudley offer personal loans?

Compare personal loan rates here.

Does Bank of Dudley offer student loans?

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Will Bank of Dudley redeem a savings bond?

Does Bank of Dudley cash savings bonds?

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Does Bank of Dudley do currency exchange?

Background on The Bank

Who owns Bank of Dudley?

How long has Bank of Dudley been around?

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Will Bank of Dudley accept loose change?

Where is Bank of Dudley headquarters?

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