Rabun County Bank
Clayton, GA
IDRSSD: 514936
Total Assets
$366.22M
Latest filing
Total Deposits
$326.92M
Latest filing
Net Interest Margin
4.22%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061102662CLAYTON, GA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Rabun County Bank
121 Rickman St
Clayton, GA 30525
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/10/1975FDIC Certificate 15378
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Rabun County Bank (Main) | 121 Rickman St | Clayton, GA |
| NORTH RABUN BRANCH | 7408 Highway 441 N | Dillard, GA |
| TRADITIONS BANK | 210 Cannon Bridge Rd | Cornelia, GA |
| CLARKESVILLE BRANCH | 389 Washington Street | Clarkesville, GA |
Showing 3 of 3
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 | 10/10/1975 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30525 |
| State and County Number | 13241 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| 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 | N/A |
Operational Info
| Number of Employees | 47 |
| Domestic Offices | 4 |
| 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 | 10/10/1975 |
| Primary Insurance Agency | DIF |
| Website | www.rabuncountybank.com |
| Data Updated | 01/30/2026 |
| CERT | 22138 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $366.22M |
| Total Deposits | $326.92M |
| Total Liabilities | $329.34M |
| Total Equity Capital | $36.88M |
| Net Income | $1.34M |
| Net Loans and Leases | $212.06M |
| Assets Per Employee ($Millions) | $7.63M |
| Bank Premises and Fixed Assets | $8.35M |
| Cash and Balances due from Depository Institutions | $128.80M |
| Deposits Held in Domestic Offices | $326.92M |
Key Performance Ratios
| Return on Assets (ROA) | 1.5% |
| Return on Equity (ROE) | 14.79% |
| Net Interest Margin | 4.22% |
| Efficiency Ratio | 54.35% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.071% |
| Earning Assets to total Assets | 94.62% |
Income and Expense
| Total Interest Income | $5.08M |
| Total Noninterest Income | $480.00k |
| Total Interest Expense | $1.52M |
| Total Noninterest Expense | $2.20M |
| Net Interest Income | $3.56M |
| Pre-tax Net Operating Income | $1.77M |
| Provision for Credit Losses | $79.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $396.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.41M |
| Total Liabilities and Capital | $366.22M |
Securities
| Securities | $9.48M |
| Available-for-sale debt securities | $9.48M |
| 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 Rabun County Bank?
$366.22M as of the latest filing.
How much are Rabun County Bank's total deposits?
$326.92M in total deposits.
Where is Rabun County Bank located?
Clayton, GA.
What is the Net Interest Margin?
4.22%.
How many domestic offices does it operate?
4.
When was it established?
10/10/1975.
What is the Return on Assets (ROA)?
1.5%.
How much are total loans and leases?
$212.06M (latest filing).
What is the total interest income (latest filing)?
$5.08M.