Great Oaks Bank (FDIC #16780): Bank Stress & Real-Estate Credit Exposure

Great Oaks Bank (FDIC Cert #16780): bank stress 63/100, elevated, STABLE over 7 days; parent GREAT OAKS FINL HOLDINGS INC.

Great Oaks Bank (#16780) lends in 4 counties across 1 state; Great Oaks Bank (#16780) reaches 29 ZIP codes: Georgia 4 counties, 29 ZIPs.

Great Oaks Bank (#16780) largest markets: Chatham County, GA (30 branches, 15 ZIPs) (#16780), Dodge County, GA (16 branches, 8 ZIPs) (#16780), Bleckley County, GA (6 branches, 6 ZIPs) (#16780), Bryan County, GA (3 branches, 3 ZIPs) (#16780).

Great Oaks Bank (#16780) reports $422.0 million in total assets; Great Oaks Bank (#16780) equity $41.0 million (9.7% of Great Oaks Bank (#16780) assets); Great Oaks Bank (#16780) domestic deposits $374.4 million; Great Oaks Bank (#16780) net income $3.0 million; Great Oaks Bank (#16780) return on assets 1.42%; Great Oaks Bank (#16780) return on equity 14.74%; Great Oaks Bank (#16780) net interest income $8.9 million; Great Oaks Bank (#16780) call report June 30, 2026.

Great Oaks Bank (#16780) noncurrent real-estate loans: none reported; Great Oaks Bank (#16780) net charge-offs on real estate 0.12%.

Great Oaks Bank (#16780) net interest margin 4.52% against an eight-quarter Great Oaks Bank (#16780) average of 4.58% (Great Oaks Bank (#16780) compression 0.05 points); Great Oaks Bank (#16780) rate-exposure score 40/100, Great Oaks Bank (#16780) fixed-rate trap 40/100; Great Oaks Bank (#16780) risk type credit driven; Great Oaks Bank (#16780) rate regime rates elevated, Great Oaks Bank (#16780) snapshot October 19, 2026.

Great Oaks Bank (#16780) stress score moved from 64.5 on June 22, 2026 to 63.1 on October 19, 2026; Great Oaks Bank (#16780) ranged 63.1 to 64.5 over 116 snapshots.

Great Oaks Bank (#16780) alerts: 4 counties; top Great Oaks Bank (#16780) alert scores: Cochran County, GA 20 (low); Rhine County, GA 20 (low); Richmond Hill County, GA 20 (low); Savannah County, GA 20 (low).