Georgia Community Bank
Albany, GA
IDRSSD: 2823221
Total Assets
$380.11M
Latest filing
Total Deposits
$326.83M
Latest filing
Net Interest Margin
5.06%
Profitability
Key People
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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 01/30/2026Established 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
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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 | 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 | 79 |
| 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 | 01/30/2026 |
| CERT | 35320 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $380.11M |
| Total Deposits | $326.83M |
| Total Liabilities | $329.40M |
| Total Equity Capital | $50.71M |
| Net Income | $1.91M |
| Net Loans and Leases | $252.20M |
| Assets Per Employee ($Millions) | $4.69M |
| Bank Premises and Fixed Assets | $5.42M |
| Cash and Balances due from Depository Institutions | $43.63M |
| Deposits Held in Domestic Offices | $326.83M |
Key Performance Ratios
| Return on Assets (ROA) | 2.04% |
| Return on Equity (ROE) | 15.39% |
| Net Interest Margin | 5.06% |
| Efficiency Ratio | 58.04% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.341% |
| Earning Assets to total Assets | 91.47% |
Income and Expense
| Total Interest Income | $5.65M |
| Total Noninterest Income | $358.00k |
| Total Interest Expense | $1.32M |
| Total Noninterest Expense | $2.72M |
| Net Interest Income | $4.33M |
| Pre-tax Net Operating Income | $1.91M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $50.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.57M |
| Total Liabilities and Capital | $380.11M |
Securities
| Securities | $62.42M |
| Available-for-sale debt securities | $62.42M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$380.11M as of the latest filing.
How much are Georgia Community Bank's total deposits?
$326.83M in total deposits.
Where is Georgia Community Bank located?
Albany, GA.
What is the Net Interest Margin?
5.06%.
How many domestic offices does it operate?
8.
When was it established?
08/31/1999.
What is the Return on Assets (ROA)?
2.04%.
How much are total loans and leases?
$252.20M (latest filing).
What is the total interest income (latest filing)?
$5.65M.