4.5 star ratingAverage User Rating:
4.5 star rating based on 11 reviews.

The Brand Banking Company

The Brand Banking Company Locations
106 East Crogan Street
Lawrenceville, GA 30046
770-963-9224
www.thebrandbank.com

FDIC


The Brand Banking Company is headquartered in Lawrenceville and is the 11st largest bank in the state of Georgia. It is also the 467th largest bank in the nation. It was established in 1905 and as of December of 2012, it had grown to 482 employees at 7 locations. The Brand Banking Company has a 3-star health rating.

Related Posts

Checking Account Rate Special at BrandBank - Available in the Southeast - 11/8/2012

BrandBank has started a checking account promotion which is guaranteeing a 1.07% APY through June 30, 2013. A minimum balance of $50,000 is required. The rates are much lower for smaller balances (0.2 ...


We are currently reviewing the rates for The Brand Banking Company for accuracy. Please check back in a few hours.

Data for Q4 2012


Institution Statistics


The Brand Banking Company
FDIC Certificate #878
BankRate ReportView
Year Established1905
Employees482
Primary RegulatorFED

Assets and Liabilities

Assets$1.43 billion
Loans$1.10 billion
Deposits$1.22 billion
Equity Capital$145.17 million
Loan Loss Allowance$25.89 million
Unbacked Noncurrent Loans$162.08 million
Real Estate Owned$11.48 million

Historic Data - December 2011

Assets$1.20 billion
Equity Capital$127.08 million
Loan Loss Allowance$52.14 million
Unbacked Noncurrent Loans$203.90 million
Real Estate Owned$10.31 million

Profit Margin - Quarterly

Net Interest Margin3.15%
Return on Assets-1.25%
Return on Equity-11.92%
Interest Income$46.06 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio1
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 The Brand Banking Company had $173.56 million in non-current loans and owned real-estate with $171.06 million in equity and loan loss allowances on hand to cover it. This gives The Brand Banking Company a Texas Ratio of 101.46% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for The Brand Banking Company decreased slightly from 119.52% as of December 31, 2011 to 101.46% as of December 31, 2012, resulting in a positive change of 15.11%.This indicates that the balance sheet and financial strength for The Brand Banking Company has improved slightly in recent periods.
Deposit Growth5
In the past year, The Brand Banking Company has increased its total deposits by $226.04 million, resulting in 22.67% 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 Brand Banking Company has shown is excellent.
Capitalization4
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 Brand Banking Company has $1.43 billion in assets with $171.06 million in equity, resulting in a capitalization level of 11.95%, which is above average.
Write Review

I WILL NEVER REFER ANYONE THAT I LOVE TO THIS BANK! EVER
1 stars - avasherman - Wednesday, November 14, 2012 - 2:38 PM

I HAVE HAD THE MOST HUMILIATING EXPERIENCE WITH THIS BANK THIS WEEK. I HAVE HAD AN AUTO LOAN WITH THIS BANK FOR 5 YEARS NOW. MY BEGINING BALANCE WAS 25,000 NOW THAT I AM DOWN TO ABOUT 4,800 THEY ARE TRYING TO TREAT ME LIKE KRAPP! I HAD A PAYMENY ARRANGEMENT MADE WITH THE COLLECTIONS DEPARTMENT, ON A CERTAIN DAY. WHICH I HELD UP THAT AGREEMENT KNOWING THAT IF I BECAME DELIQUENT THERE WOULD BE POSSIBLE THREATS OF REPOSSESSION. SO I HAD MY PAYMENT WHEN PROMISED. HOW ABOUT 3 DAYS LATER THE REPO MAN SHOW'S UP AT MY DOOR AT 10:00 PM TO GET MY VEHICLE. I'M LOOKING LIKE SCOOBY DOO! I TOLD THE MAN THERE MUST BE SOME MISTAKE THAT MY ACCOUNT HAD BEEN PAID.HE HAD NO PAPER WORK TO SHOW ME ANYTHING. HE PROCEEDED TO ASK IF ANYTHING I NEEDED TO GET OUT OF MY VEHICLE, I SAID YES THERES PLENTY. SO I SAID LET ME GET MY SHOES AND HOUSE COAT AND I'LL BE OUT. LESS THAN A MINUTE I WENT OUTSIDE HE WAS ALREADY GONE WITH MY VEHICLE. CALLED THE BANK THE NEXT MORNING, TO SPEAK WITH A MANAGER, HAD TO LEAVE A MESSAGE. TO ONLY RECIEVE A CALL FROM THE PERSON MY ARRANGEMENT WAS MADE WITH. BOTTOM LINE IS HIS SYSTEM AND THE SAME BANK SYSYTEM I MADE THE PAYMENT AT ARE THE SAME BANK BUT HE SAYS THEY ARE NOT ON THE SAME SYSTEM. AND BECAUSE HE TOLD ME TO CALL HIM WHEN I MADE THE PAYMENT AND I TOTTALLY FORGOT BECAUSE I'M TRYING TO MAKE SURE I HAVE MY PAYMENT THERE ON TIME, HE SAYS MY TRUCK WILL REMAIN IN REPO STATUS. NEEDLESS TO SAY I AM WORKING WITH AN ATTORNEY! THIS WAS SO WRONG! GOING ON 3 DAYS WITH NO CAR. THINK TWICE ABOUT THIS BANK PLEASE! I HAVE BEEN FROM THE TOP LEAVING MESSAGES FOR THE SR. VICE PRESIDENT STILL WAITING ON A RETURN CALL. 

4

People Make The Difference
5 stars - tsh - Saturday, January 12, 2013 - 6:46 AM

I love all the folks at the Hurricane Shoals branch. So different than the big banks, Brand is about the only alternative left to the big guys. You can get loan decisions locally, friendly service from tellers that know your name and even make friends with the security guard, DB! Transactions are transactions but people make the difference at Brand!

3

Great Customer Service!
5 stars - AaronCarbone - Thursday, January 17, 2013 - 10:27 AM

I actually have two bank accts, one with a B of A, and one at Brand. The friendly and accommodating service at Brand easily trumps that of B of A, and keeps me coming back to Brand Bank. To many more years with Brand. A++Thanks!

2

Love Brandbank!
5 stars - ehespinosa - Monday, January 14, 2013 - 7:48 PM

I have accounts at three different banks and the experience I have had at Brankbank beats them all!  Customer service is always friendly and ready to help me.  I get all the services of a big bank but with the small town feeling.

2

Great Bank, Great Staff!
5 stars - littlechelle - Wednesday, February 13, 2013 - 7:11 PM

I have never had anything but exceptional service with this bank. I started with one acct. and had such great experiences, I decided to move over additional accts. The staff is so friendly and really try to make things easier on you. I enjoy going into a small bank, knowing the staff and entrusting them to have your best interest in mind.

1

Brand Bank Is Incredible!
5 stars - jmorsbe - Tuesday, February 5, 2013 - 4:18 PM

I have been banking with Brand Bank for the past 12 years (when I turned 18), my family has banked with them even longer!  The customer service has always been over and beyond, especially at the Lawrenceville and Snellville branches, my main branches to visit.  Whether I have a question about my account, need change, or just a quick deposit they are quick to help me.  The historic Lawrenceville location is my favorite the tellers are incredibly friendly and Lynn and Bridget are very helpful with account questions.  Even when I need to call I know I am talking to someone who works at a local branch.  Love Brand Bank and having banked at large banks through my business I cannot recommend Brand enough.

1

Great Job Brand
5 stars - davidgajda - Sunday, February 3, 2013 - 9:56 AM

I recently opened a mortgage through Brand Bank this past year and I had a very pleasant experience. My mortgage officer Jim Chizek took great care of me throughout the entire process. So a few months ago when it came time for me to open a business checking account, it only made sense for me to open it at Brand Bank. I also transferred my personal checking account from Bank of America as well to Brand Bank for the higher level of customer service. Now I have a total of three accounts that I have opened at Brand Bank and I could not be happier.

Thank you Brand Bank.

 

 

 

1

Great Local Business
5 stars - huffsflowers - Monday, January 21, 2013 - 12:46 PM

Brand bank is a friendly, local business where the staff believes in your dreams as much as you do.  I went to them for help in funding my business several years ago and they took a chance on me. It paid off, and I have had many business dealings with them through out the years. They have always been professional, courteous and treated myself and my spouse with respect. I would never consider using anyone else for my business banking needs.

1

Superior Customer Service
5 stars - lha - Friday, January 18, 2013 - 2:09 PM

We use Brand Bank for most of our organization's banking needs and are very pleased with extremely helpful and responsive staff at the Crogan Street branch.  Having a local bank that can provide customized service for a variety of our complex financial needs helps our organization's efficiency and allows us to provide best quality service to our customers.

1

I LOVE THIS BANK!
5 stars - LtFlower - Thursday, January 17, 2013 - 7:26 PM

I opened my business account with Brand Bank and I have never had any difficulties with them at all. The employees are professional, knowledgeable and friendly. Choosing this bank was the best decision I made for my business.

1

Great Place To Have Your Money When Traveling Abroad.
5 stars - moisesiza3 - Tuesday, January 15, 2013 - 3:25 PM

Two years ago I started spending a lot of my time in europe and after being at one of the large banks I decided to switch too my local bank (TBBC) so I could have more personal service.  Best decision I made for my travels. I've never had any trouble with my credit cards or getting ahold of my cash when I need it. I just had to let them know I was traveling, for my own security ofcourse. Once I had my credit card hijacked online in Amsterdam but I just called them and they took care of it. Got me back my $100 that were stolen and a week later had me a new credit card.

1