Community Bank and Trust - West Georgia
Lagrange, GA
IDRSSD: 761833
Total Assets
$278.19M
Latest filing
Total Deposits
$256.86M
Latest filing
Net Interest Margin
2.87%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Community Bank and Trust - West Georgia
201 Broad St
Lagrange, GA 30240
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/15/1984FDIC Certificate 32025
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Community Bank and Trust - West Georgia (Main) | 201 Broad St | Lagrange, GA |
| EAST MAIN STREET BRANCH | 410 E Main St | Hogansville, GA |
| WEST POINT ROAD BANKING CENTER BRANCH | 2092 West Point Rd | Lagrange, GA |
Showing 2 of 2
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/15/1984 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30240 |
| State and County Number | 13285 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | LaGrange, GA-AL |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/15/1984 |
| Primary Insurance Agency | DIF |
| Website | www.redapplebank.com |
| Data Updated | 11/14/2025 |
| CERT | 25796 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $278.19M |
| Total Deposits | $256.86M |
| Total Liabilities | $260.75M |
| Total Equity Capital | $17.44M |
| Net Income | $1.99M |
| Net Loans and Leases | $172.29M |
| Assets Per Employee ($Millions) | $6.79M |
| Bank Premises and Fixed Assets | $4.59M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $256.86M |
Key Performance Ratios
| Return on Assets (ROA) | 2.8% |
| Return on Equity (ROE) | 48.26% |
| Net Interest Margin | 2.87% |
| Efficiency Ratio | 54.22% |
| Tier 1 Risk-Based Capital Ratio | 10.295% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 4.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.27% |
| Earning Assets to total Assets | 83.88% |
Income and Expense
| Total Interest Income | $4.04M |
| Total Noninterest Income | $8.23M |
| Total Interest Expense | $2.25M |
| Total Noninterest Expense | $5.43M |
| Net Interest Income | $1.79M |
| Pre-tax Net Operating Income | $1.58M |
| Provision for Credit Losses | $3.00M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $10.27M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.89M |
| Total Liabilities and Capital | $278.19M |
Securities
| Securities | $22.26M |
| Available-for-sale debt securities | $22.26M |
| 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 Community Bank and Trust - West Georgia?
$278.19M as of the latest filing.
How much are Community Bank and Trust - West Georgia's total deposits?
$256.86M in total deposits.
Where is Community Bank and Trust - West Georgia located?
Lagrange, GA.
What is the Net Interest Margin?
2.87%.
How many domestic offices does it operate?
3.
When was it established?
12/15/1984.
What is the Return on Assets (ROA)?
2.8%.
How much are total loans and leases?
$172.29M (latest filing).
What is the total interest income (latest filing)?
$4.04M.