Chattahoochee Bank of Georgia

Headquarters

643 E. E. Butler Parkway
Gainesville, GA 30501
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Chattahoochee Bank of Georgia is an FDIC insured institution located in Gainesville, GA. It was founded in 2008 and has approximately $0.19 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58810
Date Established 2008
Assets $ 196.83 million
Loans $ 159.54 million
Deposits $ 165.62 million
Capital $ 22.61 million
 

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

Deposit Rates - November 24, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - November 24, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Chattahoochee Bank of Georgia

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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Payment
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AmeriSave Mortgage Corporation
NMLS ID: 1168
2.587% 2.500% 1.00 $2,875 $988 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.557% 2.500% 0.75 $1,860 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Chattahoochee Bank of Georgia
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Branches

Chattahoochee Bank of Georgia branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Chattahoochee Bank of Georgia Locations


Financial Details

Chattahoochee Bank of Georgia Ratio Analysis

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

Texas Ratio
Chattahoochee Bank of Georgia U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Chattahoochee Bank of Georgia had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $22,611,000 in equity and $1,685,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Chattahoochee Bank of Georgia U.S. Bank Average
6.86% 7.80%

Chattahoochee Bank of Georgia has a Return on Equity of 6.86% versus the BestCashCow average of 7.80%. 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.

Capitalization
Chattahoochee Bank of Georgia U.S. Bank Average
11.49% 12.68%

Chattahoochee Bank of Georgia has a Capitalization of 11.49% versus the BestCashCow average of 12.68. 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.

Chattahoochee Bank of Georgia Balance Sheet Analysis

As of September 30, 2017, Chattahoochee Bank of Georgia had assets of $189,438,000, loans of $159,540,000, and deposits of $165,624,000. 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.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 159.54 million
Loan loss allowance $ 1.69 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 165.62 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 196.83 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Chattahoochee Bank of Georgia’s loan portfolio are Commercial Real Estate, Small Business Loans, and Construction and Development Loans.

Compared to other banks in Georgia, Chattahoochee Bank of Georgia has a significantly higher percent of Small Business Loans, Commercial Real Estate 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 8.01
Multifamily
Mortgages
3.78
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 24.07
Construction and Development Loans 13.79
Commercial Real Estate 62.51
Commercial and Industrial Loans 10.56
Farm Loans 0.00

Frequently Asked Questions About Chattahoochee Bank Of Georgia

Branches and Savings

Is Chattahoochee Bank Of Georgia FDIC insured?

Yes. It is covered under FDIC Certificate #58810.

Why does Chattahoochee Bank Of Georgia pay such low interest on savings accounts?

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

Why are Chattahoochee Bank Of Georgia CD rates not competitive?

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

Is Chattahoochee Bank Of Georgia a commercial bank?

Yes

Where are Chattahoochee Bank Of Georgia locations?

See branch locations nearby.

Is Chattahoochee Bank Of Georgia open on Saturdays?

Is Chattahoochee Bank Of Georgia open on Sundays?

What time does Chattahoochee Bank Of Georgia open?

What time does Chattahoochee Bank Of Georgia close?

Are Chattahoochee Bank Of Georgia ATMs Open 24/7?

Do Chattahoochee Bank Of Georgia ATMs accept cash deposits?

Can Chattahoochee Bank Of Georgia customers use other ATMs?

Do Chattahoochee Bank Of Georgia branches have notaries?

Will Chattahoochee Bank Of Georgia notarize my document?

What address for Chattahoochee Bank Of Georgia should I put for incoming ACH transfers?

Will the Chattahoochee Bank Of Georgia branch print checks?

Do Chattahoochee Bank Of Georgia checks expire?

Does Chattahoochee Bank Of Georgia require US citizenship to open account?

Can Chattahoochee Bank Of Georgia close my account?

Does Chattahoochee Bank Of Georgia Report to credit bureaus?

Does Chattahoochee Bank Of Georgia Use Equifax?

What is Chattahoochee Bank Of Georgia's ACH Routing Number?

What is Chattahoochee Bank Of Georgia's SWIFT code?

Products

Does Chattahoochee Bank Of Georgia offer mortgages?

Compare mortgage rates here.

Does Chattahoochee Bank Of Georgia offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Chattahoochee Bank Of Georgia offer personal loans?

Compare personal loan rates here.

Does Chattahoochee Bank Of Georgia offer student loans?

Will Chattahoochee Bank Of Georgia cash a check?

Will Chattahoochee Bank Of Georgia redeem a savings bond?

Does Chattahoochee Bank Of Georgia cash savings bonds?

Will Chattahoochee Bank Of Georgia cash money orders?

Can Chattahoochee Bank Of Georgia issue a money order?

Does Chattahoochee Bank Of Georgia do currency exchange?

Background on The Bank

Who owns Chattahoochee Bank Of Georgia?

How long has Chattahoochee Bank Of Georgia been around?

Can Chattahoochee Bank Of Georgia transfer to other banks?

Does Chattahoochee Bank Of Georgia have quick pay?

Does Chattahoochee Bank Of Georgia accept rolled coins?

Will Chattahoochee Bank Of Georgia accept loose change?

Where is Chattahoochee Bank Of Georgia headquarters?

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