Georgia Community Bank

BankAlbany, Georgia
www.gcb.bank

Total Assets

$380.1M

Total Deposits

$326.8M

Branches

8

Established

1999

TFS Health Grade

$
C-

71.1 / 100

Average financial health

How we grade

Georgia Community Bank is a bank headquartered in Albany, Georgia, established in 1999. With $380.1M in total assets and 8 branch locations, it has a TFS Financial Health Grade of C- (71.1/100).

Capital & Safety

Tier 1 Capital Ratio
14.08%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.51%

Profitability

Return on Assets (ROA)
1.87%(1%)
Return on Equity (ROE)
14.78%(10%)
Net Interest Margin
4.97%
Efficiency Ratio
59.93%(60%)

Lending & Liquidity

Total Loans
$255.4M
Loan-to-Deposit Ratio
77.17%
Net Charge-Off Ratio
0.14%

Growth

Asset Growth (YoY)
-1.76%
Deposit Growth (YoY)
-3.33%
Net Income
$7.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in Georgia