Bank of Early

12347 Columbia Street
Blakely, GA 39823


General Bank Information

FDIC Insured Yes
FDIC Certificate # 15813
Date Established 1939
Assets $0.13 billion
Loans $0.11 billion
Deposits $0.11 billion
Capital $0.01 billion

Bank of Early is an FDIC insured institution located in Blakely, GA. It was founded in 1939 and has approximately $0.13 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Bank of Early'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 Early’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Georgia, Bank of Early has a significantly higher percent of Farm 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 19.18
Credit Card Loans 0.00
Consumer Auto Loans 1.19
Small Business Loans 8.88
Construction and Development Loans 13.09
Commercial Real Estate 12.97
Commercial and Industrial Loans 9.51
Farm Loans 27.13

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.20% $1 $99,999 Learn MoreShow Less
3 Mo CD 10K
0.35% $100 $99,999 Learn MoreShow Less
6 Mo CD 10K
0.35% $1 $99,999 Learn MoreShow Less
6 Mo CD 10K
0.63% $100 - Learn MoreShow Less
Savings Rates APY MIN MAX
1.20% $1 $99,999 Learn MoreShow Less
Fixed IRA 0K
0.70% $100 - Learn MoreShow Less
MM 10K
0.50% $2,500 - Learn MoreShow Less
MM 10K
0.40% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.30% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Early

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
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.896% 3.875% 0.25 $628 $1,176 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
Flagstar Bank 4.990% $268.11 Learn More

Note to Bank of Early
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Bank of Early Locations

Financial Details

Bank of Early Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Early. 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 Early U.S. Bank Average
20.39% 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 Early had $2,491,000 in non-current loans and $129,000 in owned real estate. To cover these potential losses it had $11,560,000 in equity and $1,290,000 in loans loss reserves. That gives it a Texas Ratio of 20.39%. 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 Early U.S. Bank Average
4.14% 8.58

Bank of Early has a Return on Equity of 4.14% 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 Early U.S. Bank Average
9.02% 12.11

Bank of Early has a Capitalization of 9.02% 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 Early Balance Sheet Analysis

As of June 30, 2017, Bank of Early had assets of $128,157,000, loans of $108,977,000, and deposits of $108,179,000. 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 Early

Branches and Savings

Is Bank of Early FDIC insured?

Yes. It is covered under FDIC Certificate #15813.

Why does Bank of Early 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 Early CD rates not competitive?

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

Is Bank of Early a commercial bank?


Where are Bank of Early locations?

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Is Bank of Early open on Saturdays?

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Are Bank of Early ATMs Open 24/7?

Do Bank of Early ATMs accept cash deposits?

Can Bank of Early customers use other ATMs?

Do Bank of Early branches have notaries?

Will Bank of Early notarize my document?

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Do Bank of Early checks expire?

Does Bank of Early require US citizenship to open account?

Can Bank of Early close my account?

Does Bank of Early Report to credit bureaus?

Does Bank of Early Use Equifax?

What is Bank of Early's ACH Routing Number?

What is Bank of Early's SWIFT code?


Does Bank of Early offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank of Early offer personal loans?

Compare personal loan rates here.

Does Bank of Early offer student loans?

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Does Bank of Early cash savings bonds?

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Background on The Bank

Who owns Bank of Early?

How long has Bank of Early been around?

Can Bank of Early transfer to other banks?

Does Bank of Early have quick pay?

Does Bank of Early accept rolled coins?

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Where is Bank of Early headquarters?

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