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Overview / Commentary
100 Westpark Drive
Peachtree City, GA 30269

The Bank of Georgia is headquartered in Peachtree City and is the 49th largest bank in the state of Georgia. It is also the 2,113st largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 68 employees at 7 locations. The Bank of Georgia has a F health rating.

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Reviews (1)

Actually Pretty Nice

It's a small bank with few people to help when calling in, and the online interface is cumbersome. But the transfers go fast, funds clear fast, pending charges appear instantly. So they have the backend figured out pretty well. And a 2% back for up to $25/month debit card cashback adds up over time. And it's deposited into the account after each cycle, as it should be.


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 The Bank of Georgia had $63.87 million in non-current loans and owned real-estate with $19.39 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Georgia a Texas Ratio of 329.46% 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 The Bank of Georgia increased slightly from 255.29% as of March 31, 2013 to 329.46% as of March 31, 2014, resulting in a negative change of 29.05%. This indicates that the balance sheet and financial strength for The Bank of Georgia has declined slightly in recent periods.

Deposit Growth


In the past year, The Bank of Georgia has decreased its total deposits by -$17.85 million, resulting in -5.88% 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 The Bank of Georgia 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. The Bank of Georgia has $310.46 million in assets with $19.39 million in equity, resulting in a capitalization level of 6.24%, which is below average.

Institution Statistics

FDIC Certificate #35259
Year Established2000
Primary RegulatorFDIC
Assets and Liabilities
Assets$310.47 million
Loans$203.36 million
Deposits$286.00 million
Equity Capital$15.51 million
Loan Loss Allowance$3.87 million
Unbacked Noncurrent Loans$43.68 million
Real Estate Owned$20.20 million
Historic Data - March 2013
Assets$331.07 million
Equity Capital$19.00 million
Loan Loss Allowance$5.09 million
Unbacked Noncurrent Loans$43.68 million
Real Estate Owned$23.61 million
Profit Margin - Quarterly
Return on Assets0.47%
Return on Equity9.7%
Interest Income$2.73 million
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The Bank of Georgia Savings Account Rates

0.50%--CASHBack Saver - Qualifying
0.15%--CASHBack Saver - Non Qualifying

The Bank of Georgia Checking Account Rates

0.75%--Rewards Checking - Qualifying
0.05%--Rewards Checking - Non Qualifying

The Bank of Georgia Locations
Summit Branch10 Baynard ParkNewnan, GA 30265
The Bank Of Georgia100 West Park DrivePeachtree City, GA 30269
Tyrone Branch1005 Tyrone RoadTyrone, GA 30290
Old Norton Road Branch1170 Highway 54Fayetteville, GA 30214
Sharpsburg Branch1790 Highway 154Sharpsburg, GA 30277
Avery Park Branch471 Highway 29 NorthNewnan, GA 30263
Fairburn Branch8410 Senoia RoadFairburn, GA 30213