The Brand Banking Company is headquartered in Lawrenceville and is the 9th largest bank in the state of Georgia. It is also the 414st largest bank in the nation. It was established in 1905 and as of December of 2013, it had grown to 506 employees at 7 locations. The Brand Banking Company has a B+ health rating.
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.
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!
After a painfully long closing process with very little communication from lender- our loan was sold to Wells Fargo prior to the 1st payment due date; something the lender assured us would not happen.
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.
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, 2013 The Brand Banking Company had $111.16 million in non-current loans and owned real-estate with $193.82 million in equity and loan loss allowances on hand to cover it. This gives The Brand Banking Company a Texas Ratio of 57.35% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for The Brand Banking Company decreased dramatically from 101.46% as of December 31, 2012 to 57.35% as of December 31, 2013, resulting in a positive change of 43.48%.This indicates that the balance sheet and financial strength for The Brand Banking Company has improved dramatically in recent periods.
In the past year, The Brand Banking Company has increased its total deposits by $184.34 million, resulting in 15.07% 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.
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 $1.69 billion in assets with $193.82 million in equity, resulting in a capitalization level of 11.48%, which is excellent.
|FDIC Certificate #||878|
|Assets and Liabilities|
|Equity Capital||$172.41 million|
|Loan Loss Allowance||$21.41 million|
|Unbacked Noncurrent Loans||$106.06 million|
|Real Estate Owned||$5.09 million|
|Historic Data - December 2012|
|Equity Capital||$145.17 million|
|Loan Loss Allowance||$25.89 million|
|Unbacked Noncurrent Loans||$106.06 million|
|Real Estate Owned||$11.48 million|
|Profit Margin - Quarterly|
|Net Interest Margin||3.64%|
|Return on Assets||-0.17%|
|Return on Equity||-1.64%|
|Interest Income||$61.31 million|
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|0.10%||-||-||Spirit 55 Checking|
|1.00%||$500||-||24 Month CD Special|
|0.60%||$500||-||3 Year CD|
|0.53%||$500||-||2 Year CD|
|0.41%||$500||-||1 Year CD|
|The Brand Banking Company Locations|
|The Brand Banking Company||106 East Crogan Street||Lawrenceville, GA 30046|
|Hurricane Shoals Branch||141 Hurricane Shoals Road Ne||Lawrenceville, GA 30046|
|Grayson Branch||2100 Grayson Hwy.||Grayson, GA 30017|
|Buford Branch||2255 Buford Hwy||Buford, GA 30518|
|Snellville Branch||2488 East Main Street||Snellville, GA 30078|
|Flowery Branch Branch||5319 Atlanta Highway||Flowery Branch, GA 30542|
|Duluth Branch||6224 Sugarloaf Pkwy||Duluth, GA 30097|