Georgia Community Bank (FDIC #35320): Bank Stress & Real-Estate Credit Exposure
Georgia Community Bank (FDIC Cert #35320): bank stress 43/100, contained, STABLE over 7 days; parent GEORGIA COMMUNITY BCORP INC.
Georgia Community Bank (#35320) lends in 6 counties across 1 state; Georgia Community Bank (#35320) reaches 35 ZIP codes: Georgia 6 counties, 35 ZIPs.
Georgia Community Bank (#35320) largest markets: Early County, GA (8 branches, 8 ZIPs) (#35320), Crawford County, GA (7 branches, 7 ZIPs) (#35320), Dougherty County, GA (14 branches, 7 ZIPs) (#35320), Terrell County, GA (14 branches, 7 ZIPs) (#35320), Taylor County, GA (6 branches, 6 ZIPs) (#35320), Seminole County, GA (4 branches, 4 ZIPs) (#35320).
Georgia Community Bank (#35320) reports $375.0 million in total assets; Georgia Community Bank (#35320) equity $50.2 million (13.4% of Georgia Community Bank (#35320) assets); Georgia Community Bank (#35320) domestic deposits $321.7 million; Georgia Community Bank (#35320) net income $3.4 million; Georgia Community Bank (#35320) return on assets 1.80%; Georgia Community Bank (#35320) return on equity 13.56%; Georgia Community Bank (#35320) net interest income $8.6 million; Georgia Community Bank (#35320) call report June 30, 2026.
Georgia Community Bank (#35320) noncurrent real-estate loans 0.02% of its book; Georgia Community Bank (#35320) net charge-offs on real estate 1.09%; Georgia Community Bank (#35320) residential charge-offs 1.09%.
Georgia Community Bank (#35320) net interest margin 4.92% against an eight-quarter Georgia Community Bank (#35320) average of 4.83% (Georgia Community Bank (#35320) compression -0.10 points); Georgia Community Bank (#35320) real-estate loans 1.7% of equity; Georgia Community Bank (#35320) non-residential real estate 108.6% of equity; Georgia Community Bank (#35320) rate-exposure score 40/100, Georgia Community Bank (#35320) fixed-rate trap 40/100; Georgia Community Bank (#35320) risk type credit driven; Georgia Community Bank (#35320) rate regime rates elevated, Georgia Community Bank (#35320) snapshot October 19, 2026.
Georgia Community Bank (#35320) stress score moved from 43.6 on June 22, 2026 to 42.5 on October 20, 2026; Georgia Community Bank (#35320) ranged 42.5 to 43.6 over 117 snapshots.
Georgia Community Bank (#35320) alerts: 6 counties; top Georgia Community Bank (#35320) alert scores: Dawson County, GA 27 (low); Albany County, GA 16 (low); Blakely County, GA 16 (low); Donalsonville County, GA 16 (low); Reynolds County, GA 16 (low).