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770-963-9224
106 East Crogan Street
Lawrenceville, GA 30046

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.

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I WILL NEVER REFER ANYONE THAT I LOVE TO THIS BANK! EVER

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. 

People Make The Difference

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!

Sold To Wells Fargo Before 1St Payment

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.

Brand Bank Is Incredible!

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.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
C-

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.

Texas Ratio Trend

GRADE:
A+

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.

Deposit Growth

GRADE:
A+

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.

Capitalization

GRADE:
A

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.

Institution Statistics

Overall
FDIC Certificate #878
Year Established1905
Employees506
Primary RegulatorFED
Assets and Liabilities
Assets$1.69 billion
Loans$1.37 billion
Deposits$1.41 billion
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
Assets$1.43 billion
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 Margin3.64%
Return on Assets-0.17%
Return on Equity-1.64%
Interest Income$61.31 million
Rates

Always verify rates and promotions with the bank or credit union. We are not The Brand Banking Company, we are a rate comparison website and can not provide official rates or promotions.

The Brand Banking Company Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.24%--Action Savings

The Brand Banking Company Money Market Rates

DetailsAPYMINMAXPRODUCT
0.24%--Money Market

The Brand Banking Company Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.60%$250k-Premier Checking
0.10%--Flex Checking
0.10%--Spirit 55 Checking
0.10%$100-BrandBank@Work

The Brand Banking Company CD Rates

DetailsAPYMINMAXPRODUCT
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
Locations


The Brand Banking Company Locations
The Brand Banking Company106 East Crogan StreetLawrenceville, GA 30046
Hurricane Shoals Branch141 Hurricane Shoals Road NeLawrenceville, GA 30046
Grayson Branch2100 Grayson Hwy.Grayson, GA 30017
Buford Branch2255 Buford HwyBuford, GA 30518
Snellville Branch2488 East Main StreetSnellville, GA 30078
Flowery Branch Branch5319 Atlanta HighwayFlowery Branch, GA 30542
Duluth Branch6224 Sugarloaf PkwyDuluth, GA 30097