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2775 Buford Highway
Duluth , GA 30096

Gwinnett Community Bank is headquartered in Duluth and is the 31st largest bank in the state of Georgia. It is also the 1,637th largest bank in the nation. It was established in 1999 and as of March of 2014, it had grown to 48 employees at 3 locations. Gwinnett Community Bank has a F health rating.

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Reviews (3)

Very Unprofessional

I Found GCB to be very Unprofessional and disorganized, Mainly one of it's employee Mr.Micheal Kirk...It took 2weeks to finally reach him concerning a house my wife and i were considering renting after reaching him i was sent an application After senting the App and no Response it took a week of calling his office to reach him, His response was we are reviewing Apps and would get back to me in 2 days...After another week of waiting and calling leaving messages on his machine ect... i finally reached him, he's response was were looking though more Apps?? And that he would contact me when he knows something..After another week of waiting my wife and i desided to visit the house once more, to our surprise we witnessed a couple moving in...We still till this day have yet to receive a phone call from Mr.Kirk...VERY UNPROFESSIONAL

Unfair Characterization

I find these comments completely opposite, I've been banking with Gwinnett Community Bank for well over 16 years. I find Don,Janus,Debra, Joe to be very caring, they are a business like everyone else. The banking business like everyone else has been hit, we all are not perfect people and businesses are not any different, but their good people.

Horrible Experience Here

You know the perception that small community banks are better managed by local, upstanding, well-meaning business people deeply involved in the area?  Well...  I don't know which bank that would be in Gwinnett County, but my personal experience tells me that it’s probably isn’t Gwinnett Community Bank. 

I experienced nothing positive interacting with this place.  

Look for information on this bank anywhere on the internet and you'll see poor ratings abound: single stars, "very weak", etc.  Typically, when a business has this many, consistent ratings of a similar nature, it means something.  Perhaps customer service?  Perhaps senior leadership?  Perhaps their overall business practices?  Regardless, my recommendation is you do your homework before doing ANY business with this financial institution.

I had a shockingly poor experience here.  And that's a surprise because I thought small banks were supposed to be the 'good guys'.  I guess low bank stability ratings causes rude, questionable behavior.  


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 Gwinnett Community Bank had $67.13 million in non-current loans and owned real-estate with $16.3 million in equity and loan loss allowances on hand to cover it. This gives Gwinnett Community Bank a Texas Ratio of 411.80% 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 Gwinnett Community Bank experienced no significant changes from 416.03% as of March 31, 2013 to 411.80% as of March 31, 2014, resulting in a positive change of 1.02%.This indicates that the balance sheet and financial strength for Gwinnett Community Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Gwinnett Community Bank has decreased its total deposits by -$39.06 million, resulting in -9.42% 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 Gwinnett Community Bank has shown is below 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. Gwinnett Community Bank has $410.27 million in assets with $16.3 million in equity, resulting in a capitalization level of 3.97%, which is poor.

Institution Statistics

FDIC Certificate #35249
Year Established1999
Primary RegulatorFDIC
Assets and Liabilities
Assets$410.27 million
Loans$255.89 million
Deposits$375.63 million
Equity Capital$13.49 million
Loan Loss Allowance$2.82 million
Unbacked Noncurrent Loans$38.90 million
Real Estate Owned$28.23 million
Historic Data - March 2013
Assets$449.60 million
Equity Capital$13.75 million
Loan Loss Allowance$5.42 million
Unbacked Noncurrent Loans$38.90 million
Real Estate Owned$33.87 million
Profit Margin - Quarterly
Net Interest Margin2.34%
Return on Assets0.16%
Return on Equity5.11%
Interest Income$3.37 million

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Gwinnett Community Bank Locations
Hamilton Mill Branch2715 Hamilton Mill RoadBuford, GA 30519
Gwinnett Community Bank2775 Buford HighwayDuluth, GA 30096
Lawrenceville-Suwanee Road Branch3893 Lawrenceville RoadSuwanee, GA 30024