Georgia Bank & Trust

Headquarters

135 Bryant Parkway
Calhoun, GA 30701
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Georgia Bank & Trust is an FDIC insured institution located in Calhoun, GA. It was founded in 1988 and has approximately $0.48 billion in assets.

FDIC Insured Yes
FDIC Certificate # 27173
Date Established 1988
Assets $ 467.08 million
Loans $ 385.72 million
Deposits $ 389.15 million
Capital $ 42.14 million
 

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

Deposit Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Georgia Bank & Trust

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 2021

Lender APR Rate (%) Monthly
Payment
Learn More
CIT Bank
NMLS ID: 541760
2.873% 2.800%
1.00 points
$2,380 fees
$1,028 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to Georgia Bank & Trust
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Branches

Georgia Bank & Trust 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


Georgia Bank & Trust Locations


Financial Details

Georgia Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Georgia Bank & Trust. 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
Georgia Bank & Trust U.S. Bank Average
46.81% 5.29%

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, 2021, Georgia Bank & Trust had $26,992,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $42,144,000 in equity and $15,517,000 in loans loss reserves. That gives it a Texas Ratio of 46.81%.

Return on Equity
Georgia Bank & Trust U.S. Bank Average
-12.61% 11.43%

Georgia Bank & Trust has a Return on Equity of -12.61% versus the BestCashCow average of 11.43%. 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
Georgia Bank & Trust U.S. Bank Average
9.02% 11.51%

Georgia Bank & Trust has a Capitalization of 9.02% versus the BestCashCow average of 11.51. 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.

Georgia Bank & Trust Balance Sheet Analysis

As of November 30, -0001, Georgia Bank & Trust had assets of $478,032,000, loans of $385,724,000, and deposits of $389,148,000. 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, 2021
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 $ 385.72 million
Loan loss allowance $ 15.52 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 $ 389.15 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 $ 467.08 million

Summary Income Statement

March 31, 2021
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 Georgia Bank & Trust’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Georgia Bank & Trust’s loan portfolio does not show any specific loan specialty.

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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Georgia Bank & Trust

Branches and Savings

Is Georgia Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #27173.

Why does Georgia Bank & Trust pay such low interest on savings accounts?

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

Why are Georgia Bank & Trust CD rates not competitive?

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

Is Georgia Bank & Trust a commercial bank?

Yes

Where are Georgia Bank & Trust locations?

See branch locations nearby.

Is Georgia Bank & Trust open on Saturdays?

Is Georgia Bank & Trust open on Sundays?

What time does Georgia Bank & Trust open?

What time does Georgia Bank & Trust close?

Are Georgia Bank & Trust ATMs Open 24/7?

Do Georgia Bank & Trust ATMs accept cash deposits?

Can Georgia Bank & Trust customers use other ATMs?

Do Georgia Bank & Trust branches have notaries?

Will Georgia Bank & Trust notarize my document?

What address for Georgia Bank & Trust should I put for incoming ACH transfers?

Will the Georgia Bank & Trust branch print checks?

Do Georgia Bank & Trust checks expire?

Does Georgia Bank & Trust require US citizenship to open account?

Can Georgia Bank & Trust close my account?

Does Georgia Bank & Trust Report to credit bureaus?

Does Georgia Bank & Trust Use Equifax?

What is Georgia Bank & Trust's ACH Routing Number?

What is Georgia Bank & Trust's SWIFT code?

Products

Does Georgia Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Georgia Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Georgia Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Georgia Bank & Trust offer student loans?

Will Georgia Bank & Trust cash a check?

Will Georgia Bank & Trust redeem a savings bond?

Does Georgia Bank & Trust cash savings bonds?

Will Georgia Bank & Trust cash money orders?

Can Georgia Bank & Trust issue a money order?

Does Georgia Bank & Trust do currency exchange?

Background on The Bank

Who owns Georgia Bank & Trust?

How long has Georgia Bank & Trust been around?

Can Georgia Bank & Trust transfer to other banks?

Does Georgia Bank & Trust have quick pay?

Does Georgia Bank & Trust accept rolled coins?

Will Georgia Bank & Trust accept loose change?

Where is Georgia Bank & Trust headquarters?

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