Georgia Community Bank
Albany, GA
IDRSSD: 2823221
Total Assets
$366.99M
Latest filing
Total Deposits
$315.31M
Latest filing
Net Interest Margin
5.20%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Georgia Community Bank
704 N Westover Blvd
Albany, GA 31707
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/31/1999FDIC Certificate 78226
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Georgia Community Bank (Main) | 704 N Westover Blvd | Albany, GA |
| DRIVE-IN BRANCH | 344 E Lee St | Dawson, GA |
| 412 COLUMBIA ST BRANCH | 412 Columbia St | Blakely, GA |
| LEESBURG BRANCH | 3000 N Slappey Blvd | Albany, GA |
| THE CITIZENS STATE BANK OF CRAWFORD COUNTY | 300 N Dugger Ave | Roberta, GA |
| TAYLOR COUNTY BRANCH | 36 Martin Luther King Dr | Reynolds, GA |
| ALBANY BRANCH | 250 E Lee St | Dawson, GA |
| SEMINOLE COUNTY BRANCH | 113 W 2nd St | Donalsonville, GA |
Showing 7 of 7
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 08/31/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31707 |
| State and County Number | 13095 |
| Subchapter S Corporations | Yes |
| 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 | Albany, GA |
Operational Info
| Number of Employees | 81 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/04/2024 |
| Date of Deposit Insurance | 08/31/1999 |
| Primary Insurance Agency | DIF |
| Website | www.gcb.bank |
| Data Updated | 11/14/2025 |
| CERT | 35320 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $366.99M |
| Total Deposits | $315.31M |
| Total Liabilities | $318.47M |
| Total Equity Capital | $48.52M |
| Net Income | $1.86M |
| Net Loans and Leases | $260.43M |
| Assets Per Employee ($Millions) | $4.65M |
| Bank Premises and Fixed Assets | $5.39M |
| Cash and Balances due from Depository Institutions | $17.21M |
| Deposits Held in Domestic Offices | $315.31M |
Key Performance Ratios
| Return on Assets (ROA) | 2.01% |
| Return on Equity (ROE) | 15.64% |
| Net Interest Margin | 5.2% |
| Efficiency Ratio | 59.29% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.22% |
| Earning Assets to total Assets | 92.06% |
Income and Expense
| Total Interest Income | $5.78M |
| Total Noninterest Income | $392.00k |
| Total Interest Expense | $1.35M |
| Total Noninterest Expense | $2.86M |
| Net Interest Income | $4.43M |
| Pre-tax Net Operating Income | $1.85M |
| Provision for Credit Losses | $110.00k |
| 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 | $1.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.16M |
| Total Liabilities and Capital | $366.99M |
Securities
| Securities | $67.35M |
| Available-for-sale debt securities | $67.35M |
| 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 Georgia Community Bank?
$366.99M as of the latest filing.
How much are Georgia Community Bank's total deposits?
$315.31M in total deposits.
Where is Georgia Community Bank located?
Albany, GA.
What is the Net Interest Margin?
5.20%.
How many domestic offices does it operate?
8.
When was it established?
08/31/1999.
What is the Return on Assets (ROA)?
2.01%.
How much are total loans and leases?
$260.43M (latest filing).
What is the total interest income (latest filing)?
$5.78M.