Georgia Community Bank

Headquarters

250 East Lee Street
Dawson, GA 39842
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.40% 0.91% →
1-Year CD 0.75% 0.85% →
2-Year CD 0.75% 0.95% →
5-Year CD 1.26% 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

Georgia Community Bank is an FDIC insured institution located in Dawson, GA. It was founded in 1999 and has approximately $0.33 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 35320
Date Established 1999
Assets $ 328.15 million
Loans $ 203.60 million
Deposits $ 279.29 million
Capital $ 41.65 million
 

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

Deposit Rates - November 26, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.40% $2,500 $4,999 Learn More
Money Market
0.40% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.65% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.50% $10,000 $14,999 Learn More
3 Mo CD
0.50% $100,000 $199,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
30 Mo CD
1.00% $10,000 $14,999 Learn More
30 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.26% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More
60 Mo CD
1.26% $10,000 $14,999 Learn More
60 Mo CD
1.26% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - November 26, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Georgia Community Bank

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

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
2.566% 2.500% 0.88 $2,170 $988 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.589% 2.500% 1.00 $2,915 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Georgia Community Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Georgia Community Bank 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 Community Bank Locations


Financial Details

Georgia Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Georgia Community Bank. 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 Community Bank U.S. Bank Average
15.64% 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, Georgia Community Bank had $6,482,000 in non-current loans and $445,000 in owned real estate. To cover these potential losses it had $41,647,000 in equity and $2,634,000 in loans loss reserves. That gives it a Texas Ratio of 15.64%.

Return on Equity
Georgia Community Bank U.S. Bank Average
10.11% 7.80%

Georgia Community Bank has a Return on Equity of 10.11% 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
Georgia Community Bank U.S. Bank Average
12.69% 12.68%

Georgia Community Bank has a Capitalization of 12.69% 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.

Georgia Community Bank Balance Sheet Analysis

As of March 31, 2020, Georgia Community Bank had assets of $328,153,000, loans of $203,597,000, and deposits of $279,290,000. 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 $ 47.38 million
Interest-bearing balances $ 35.44 million
Total securities $ 54.36 million
Federal funds sold and reverse repurchase $ 10.31 million
Net loans and leases $ 203.60 million
Loan loss allowance $ 2.63 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.45 million
Goodwill and other intangibles $ 0.89 million
All other assets $ 6.52 million
     Total Assets $ 286.51 million
LIABILITIES
Total deposits $ 279.29 million
      Interest-bearing deposits $ 205.28 million
      Deposits held in domestic offices $ 279.29 million
      % insured (estimated) 81.31%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 7.22 million
      Total Liabilities $ 286.51 million
      Shareholders’ Equity $ 41.65 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.62 million
Total Interest Expense $ 0.79 million
Net interest income $ 2.83 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.31 million
Total non interest expense $ 2.16 million
Pre-tax Net Operating Income $ 0.98 million

Bank Loan Profile?

The top three loan types in Georgia Community Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Georgia, Georgia Community Bank 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 42.17
Multifamily
Mortgages
0.38
Credit Card Loans 0.00
Consumer Auto Loans 1.32
Small Business Loans 0.00
Construction and Development Loans 3.78
Commercial Real Estate 17.81
Commercial and Industrial Loans 11.72
Farm Loans 10.92

Frequently Asked Questions About Georgia Community Bank

Branches and Savings

Is Georgia Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35320.

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

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

Why are Georgia Community Bank CD rates not competitive?

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

Is Georgia Community Bank a commercial bank?

Yes

Where are Georgia Community Bank locations?

See branch locations nearby.

Is Georgia Community Bank open on Saturdays?

Is Georgia Community Bank open on Sundays?

What time does Georgia Community Bank open?

What time does Georgia Community Bank close?

Are Georgia Community Bank ATMs Open 24/7?

Do Georgia Community Bank ATMs accept cash deposits?

Can Georgia Community Bank customers use other ATMs?

Do Georgia Community Bank branches have notaries?

Will Georgia Community Bank notarize my document?

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

Will the Georgia Community Bank branch print checks?

Do Georgia Community Bank checks expire?

Does Georgia Community Bank require US citizenship to open account?

Can Georgia Community Bank close my account?

Does Georgia Community Bank Report to credit bureaus?

Does Georgia Community Bank Use Equifax?

What is Georgia Community Bank's ACH Routing Number?

What is Georgia Community Bank's SWIFT code?

Products

Does Georgia Community Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Georgia Community Bank offer personal loans?

Compare personal loan rates here.

Does Georgia Community Bank offer student loans?

Will Georgia Community Bank cash a check?

Will Georgia Community Bank redeem a savings bond?

Does Georgia Community Bank cash savings bonds?

Will Georgia Community Bank cash money orders?

Can Georgia Community Bank issue a money order?

Does Georgia Community Bank do currency exchange?

Background on The Bank

Who owns Georgia Community Bank?

How long has Georgia Community Bank been around?

Can Georgia Community Bank transfer to other banks?

Does Georgia Community Bank have quick pay?

Does Georgia Community Bank accept rolled coins?

Will Georgia Community Bank accept loose change?

Where is Georgia Community Bank headquarters?

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