Bank of Hancock County

12855 Broad Street
Sparta, GA 31087


General Bank Information

FDIC Insured Yes
FDIC Certificate # 10057
Date Established 1904
Assets $0.09 billion
Loans $0.03 billion
Deposits $0.07 billion
Capital $0.02 billion

Bank of Hancock County is an FDIC insured institution located in Sparta, GA. It was founded in 1904 and has approximately $0.09 billion in assets.

For a more detailed analysis of Bank of Hancock County'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 Hancock County’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Consumer Auto Loans.

Compared to other banks in Georgia, Bank of Hancock County has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto 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 55.37
Credit Card Loans 0.00
Consumer Auto Loans 10.87
Small Business Loans 8.17
Construction and Development Loans 2.82
Commercial Real Estate 8.17
Commercial and Industrial Loans 14.20
Farm Loans 0.19

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K 0.25% $500 - Learn MoreShow Less
6 Mo CD 10K 0.30% $500 - Learn MoreShow Less
12 Mo CD 10K 0.55% $500 - Learn MoreShow Less
24 Mo CD 10K 0.85% $500 - Learn MoreShow Less
30 Mo CD 10K 0.95% $500 - Learn MoreShow Less
36 Mo CD 10K 1.06% $500 - Learn MoreShow Less
60 Mo CD 10K 1.16% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.25% $25 - Learn MoreShow Less
Fixed IRA 0K 0.55% $250 - Learn MoreShow Less
MM 10K 0.20% $1,000 $25,000 Learn MoreShow Less
MM 25K 0.30% $25,001 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K 0.15% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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Financial Details

Bank of Hancock County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Hancock County. 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 Hancock County U.S. Bank Average
1.98% 9.04%

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 December 31, 2016, Bank of Hancock County had $415,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,972,000 in equity and $1,026,000 in loans loss reserves. That gives it a Texas Ratio of 1.98%. 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 Hancock County U.S. Bank Average
4.92% 8.42%

Bank of Hancock County has a Return on Equity of 4.92% versus the BestCashCow average of 8.42%. 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 Hancock County U.S. Bank Average
23.32% 11.86%

Bank of Hancock County has a Capitalization of 23.32% versus the BestCashCow average of 11.86%. 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 Hancock County Balance Sheet Analysis

As of December 31, 2016, Bank of Hancock County had assets of $85,637,000, loans of $26,147,000, and deposits of $65,599,000. 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.

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