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18 Georgia Heritage Place
Dallas, GA 30132

Georgia Heritage Bank is headquartered in Dallas and is the 190th largest bank in the state of Georgia. It is also the 5,423rd largest bank in the nation. It was established in 2005 and as of June of 2014, it had grown to 15 employees at 2 locations. Georgia Heritage Bank has a C- health rating.

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Bad Expierence

They are not consumer friendly.

Go elsewhere.


Data for Q2 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. Georgia Heritage Bank 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 June 30, 2014 Georgia Heritage Bank had $4.46 million in non-current loans and owned real-estate with $3.69 million in equity and loan loss allowances on hand to cover it. This gives Georgia Heritage Bank a Texas Ratio of 120.77% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Georgia Heritage Bank decreased dramatically from 338.94% as of June 30, 2013 to 120.77% as of June 30, 2014, resulting in a positive change of 64.37%.This indicates that the balance sheet and financial strength for Georgia Heritage Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Georgia Heritage Bank has increased its total deposits by $2.66 million, resulting in 4.42% 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 Heritage 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 Heritage Bank has $68.72 million in assets with $3.69 million in equity, resulting in a capitalization level of 5.37%, which is below average.

Institution Statistics

FDIC Certificate #58005
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$68.72 million
Loans$44.46 million
Deposits$62.78 million
Equity Capital$3.17 million
Loan Loss Allowance$519,000
Unbacked Noncurrent Loans$573,000
Real Estate Owned$3.89 million
Historic Data - June 2013
Assets$64.29 million
Equity Capital$1.71 million
Loan Loss Allowance$593,000
Unbacked Noncurrent Loans$573,000
Real Estate Owned$3.86 million
Profit Margin - Quarterly
Return on Assets1.39%
Return on Equity32.9%
Interest Income$1.38 million

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Georgia Heritage Bank Locations
Georgia Heritage Bank18 Georgia Heritage PlaceDallas, GA 30132
Cartersville Branch215 Cherokee PlaceCartersville, GA 30121
Marietta Branch3622 Dallas HighwayMarietta, GA 30064