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3625 Cumberland Boulevard, Building Two
Atlanta, GA 30339

Georgia Commerce Bank is headquartered in Atlanta and is the 17st largest bank in the state of Georgia. It is also the 689th largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 136 employees at 9 locations. Georgia Commerce Bank has a A+ health rating.

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Reviews (1)

Hats Off To The Marietta Branch

Several months ago, we moved our personal banking to Georgia Commerce's Marietta Branch.  We have also been in contact with the Commercial staff at this branch.  We've never visiting the other locations, but the Marietta staff is extremely available, helpful, thorough and accommodating.  They know us by name and spend whatever time is needed to answer our questions.  The office is new and spacious, with easy parking and easy access from I-75 or downtown Marietta.  I just wish they had more branches, but am happy they are growing slowly in order to stay so financially sound.  Hats off to them!


Data for Q1 2014

Institution Health


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 Georgia Commerce Bank had $6.87 million in non-current loans and owned real-estate with $112.69 million in equity and loan loss allowances on hand to cover it. This gives Georgia Commerce Bank a Texas Ratio of 6.10% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Georgia Commerce Bank decreased dramatically from 17.93% as of March 31, 2013 to 6.10% as of March 31, 2014, resulting in a positive change of 65.98%.This indicates that the balance sheet and financial strength for Georgia Commerce Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Georgia Commerce Bank has increased its total deposits by $222.67 million, resulting in 35.37% 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 Georgia Commerce Bank has shown is excellent.



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. Georgia Commerce Bank has $979.41 million in assets with $112.69 million in equity, resulting in a capitalization level of 11.51%, which is excellent.

Institution Statistics

FDIC Certificate #57521
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$979.41 million
Loans$666.35 million
Deposits$852.25 million
Equity Capital$106.34 million
Loan Loss Allowance$6.35 million
Unbacked Noncurrent Loans$1.98 million
Real Estate Owned$4.89 million
Historic Data - March 2013
Assets$729.39 million
Equity Capital$79.84 million
Loan Loss Allowance$9.38 million
Unbacked Noncurrent Loans$1.98 million
Real Estate Owned$12.02 million
Profit Margin - Quarterly
Net Interest Margin4.76%
Return on Assets0.84%
Return on Equity7.65%
Interest Income$11.11 million

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Georgia Commerce Bank Savings Account Rates

0.15%--Personal Savings
0.15%--Youth Savings
0.10%--IOLTA Account

Georgia Commerce Bank Money Market Rates

0.40%$100k-Premium Money Market
0.40%$100k-Commercial Money Market

Georgia Commerce Bank Checking Account Rates

0.15%--Relationship Banking
0.10%$1k-Interest Checking
0.10%--Commercial Interest Checking

Georgia Commerce Bank CD Rates

0.60%$500-24 Month CD
0.60%$500-36 Month CD
0.60%$500-48 Month CD
0.60%$500-60 Month CD
0.50%$500-18 Month CD
0.40%$500-12 Month CD
0.20%$500-6 Month CD
0.15%$500-3 Month CD

Georgia Commerce Bank IRA Rates

0.60%--24 Month IRA
0.60%--36 Month IRA
0.60%--48 Month IRA
0.60%--60 Month IRA
0.50%--18 Month IRA
0.40%--12 Month IRA
0.20%--6 Month IRA
0.15%--3 Month IRA

Georgia Commerce Bank Locations
Creekside Bank Branch100 Springfield DriveWoodstock, GA 30188
Norcross Branch200 Scientific DriveNorcross, GA 30092
Patriot Bank Of Georgia Branch2555 Peachtree ParkwayCumming, GA 30041
Buckhead Center2970 Peachtree Road, NW, Suite 100Atlanta, GA 30305
Acworth Office Branch3590 Cobb Parkway NWAcworth, GA 30101
Georgia Commerce Bank3625 Cumberland Boulevard, Building TwoAtlanta, GA 30339
Marietta Branch709 Canton RoadMarietta, GA 30060