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Bank of Lumber City

Lumber City, GA
IDRSSD: 959630
Total Assets
$25.42M
Latest filing
Total Deposits
$22.05M
Latest filing
Net Interest Margin
4.92%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date07/02/1945
Community BankYes
Ownership TypeNot Mutual
ZIP31549
State and County Number13271
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameN/A

Operational Info

Number of Employees12
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance07/02/1945
Primary Insurance AgencyDIF
Websitewww.bankoflumbercity.com
Data Updated11/14/2025
CERT16281
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$25.42M
Total Deposits$22.05M
Total Liabilities$22.40M
Total Equity Capital$3.02M
Net Income$-90,000
Net Loans and Leases$8.39M
Assets Per Employee ($Millions)$2.31M
Bank Premises and Fixed Assets$1.70M
Cash and Balances due from Depository Institutions$7.93M
Deposits Held in Domestic Offices$22.05M

Key Performance Ratios

Return on Assets (ROA)-1.46%
Return on Equity (ROE)-12.11%
Net Interest Margin4.92%
Efficiency Ratio124.45%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.88%
Earning Assets to total Assets79.03%

Income and Expense

Total Interest Income$304.00k
Total Noninterest Income$34.00k
Total Interest Expense$64.00k
Total Noninterest Expense$364.00k
Net Interest Income$240.00k
Pre-tax Net Operating Income$-90,000
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$353.00k
Total Liabilities and Capital$25.42M

Securities

Securities$4.75M
Available-for-sale debt securities$4.75M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Bank of Lumber City?
$25.42M as of the latest filing.
How much are Bank of Lumber City's total deposits?
$22.05M in total deposits.
Where is Bank of Lumber City located?
Lumber City, GA.
What is the Net Interest Margin?
4.92%.
How many domestic offices does it operate?
2.
When was it established?
07/02/1945.
What is the Return on Assets (ROA)?
-1.46%.
How much are total loans and leases?
$8.39M (latest filing).
What is the total interest income (latest filing)?
$304.00k.