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Overview / Commentary
50 East Broad Street
Camilla, GA 31730

Bank of Camilla is headquartered in Camilla and is the 158th largest bank in the state of Georgia. It is also the 4,754th largest bank in the nation. It was established in 1890 and as of March of 2014, it had grown to 31 employees at 2 locations. Bank of Camilla has a B health rating.

Reviews (2)

Doing Business With The Bank Of Camilla

This bank is the absolute worst bank to deal with. If you're looking for some place to get a loan DO NOT go to this place. They'll yank you around for MONTHS without accomplishing anything. A lot of the people that work there don't even act like they know what is going on. They deal with this type stuff everyday. It's absolutely ridiculous. I would not recommend this place to anyone.


Excellent Customer Service

I disagree with the other reviewer.  We've had excellent customer service from this bank and its employees. We are in the middle of a mortgage loan and so far the process has been flawless (if that changes I'll repost).  We have no indication that our level of excellent service will decrease and look forward to doing business with Bank of Camilla for years to come.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Bank of Camilla has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of Camilla had $6.18 million in non-current loans and owned real-estate with $14.7 million in equity and loan loss allowances on hand to cover it. This gives Bank of Camilla a Texas Ratio of 42.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Camilla decreased slightly from 59.60% as of March 31, 2013 to 42.06% as of March 31, 2014, resulting in a positive change of 29.42%.This indicates that the balance sheet and financial strength for Bank of Camilla has improved slightly in recent periods.

Deposit Growth


In the past year, Bank of Camilla has increased its total deposits by $879,000, resulting in 1.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Camilla has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Camilla has $99.2 million in assets with $14.7 million in equity, resulting in a capitalization level of 14.82%, which is excellent.

Institution Statistics

FDIC Certificate #17190
Year Established1890
Primary RegulatorFDIC
Assets and Liabilities
Assets$99.20 million
Loans$37.70 million
Deposits$85.34 million
Equity Capital$13.62 million
Loan Loss Allowance$1.08 million
Unbacked Noncurrent Loans$3.51 million
Real Estate Owned$2.68 million
Historic Data - March 2013
Assets$99.04 million
Equity Capital$14.04 million
Loan Loss Allowance$1.08 million
Unbacked Noncurrent Loans$3.51 million
Real Estate Owned$2.54 million
Profit Margin - Quarterly
Net Interest Margin3.29%
Return on Assets-0.6%
Return on Equity-4.44%
Interest Income$825,000

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Bank of Camilla Locations
Pelham Branch127 West Railroad StreetPelham, GA 31779
Bank Of Camilla50 East Broad StreetCamilla, GA 31730