Institution Profile
Branches by Region
GA 2
Financial Overview
Total Assets
$332.38M
Total Deposits
$282.44M
Total Loans
$280.30M
Equity Capital
$31.13M
Employees
38
Allowance for Loan Losses
$3.72M
Performance Ratios
Net Worth Ratio
9.36%
Loan-to-Deposit Ratio
99.24%
Coverage Ratio
1.33% Allowance / Total Loans
Net Income
$6.71M
Return on Assets (ROA)
2.04%
Return on Equity (ROE)
22.68%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +31.98% Total Deposits: +32.08% Total Loans: +30.91% since 2020 Q1
Employee Growth
Employee Growth
Employees: -7.32% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$122.78M 43.8%
Commercial Real Estate
$94.06M 33.6%
Commercial & Industrial
$28.62M 10.2%
Construction
$15.46M 5.5%
Farmland
$14.66M 5.2%
Multifamily
$2.06M 0.7%
Other Consumer
$1.83M 0.7%
Auto Loans
$730,000 0.3%
Portfolio Distribution
SBA 7(a) Loan Originations
Quarterly SBA origination activity and guaranteed exposure
SBA 7(a) Originations vs Cancellations per Quarter
Approved: -100.00% since 2020 Q1
SBA 7(a) Approved vs Guaranteed vs Cancelled Dollars
Approved: -100.00% Guaranteed: -100.00% since 2020 Q1
Net Income Trend
Net Income Trend
Net Income: +721.81% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $332.38M | $282.44M | $280.30M | $6.71M | 38 |
| 2025 Q3 | $330.57M | $283.70M | $274.01M | $4.90M | 38 |
| 2025 Q2 | $331.02M | $281.03M | $275.59M | $3.21M | 38 |
| 2025 Q1 | $336.21M | $281.19M | $276.70M | $1.49M | 40 |
| 2024 Q4 | $316.44M | $261.31M | $274.30M | $5.13M | 40 |
| 2024 Q3 | $307.26M | $261.20M | $261.68M | $3.64M | 40 |
| 2024 Q2 | $307.61M | $268.30M | $260.62M | $2.31M | 41 |
| 2024 Q1 | $313.68M | $274.83M | $261.73M | $1.13M | 41 |
| 2023 Q4 | $307.26M | $268.51M | $258.70M | $4.77M | 41 |
| 2023 Q3 | $315.13M | $276.85M | $257.59M | $3.52M | 42 |
| 2023 Q2 | $319.29M | $274.53M | $263.34M | $2.25M | 42 |
| 2023 Q1 | $317.15M | $270.78M | $266.72M | $1.08M | 42 |
| 2022 Q4 | $317.48M | $285.08M | $260.76M | $4.99M | 42 |
| 2022 Q3 | $304.58M | $268.82M | $257.74M | $3.57M | 42 |
| 2022 Q2 | $291.16M | $255.84M | $254.10M | $2.21M | 41 |
| 2022 Q1 | $296.21M | $264.23M | $249.76M | $1.01M | 42 |
| 2021 Q4 | $290.46M | $255.44M | $241.52M | $4.85M | 42 |
| 2021 Q3 | $302.90M | $263.04M | $243.57M | $3.50M | 41 |
| 2021 Q2 | $290.73M | $249.05M | $248.42M | $2.10M | 41 |
| 2021 Q1 | $286.58M | $245.91M | $244.54M | $1.01M | 40 |
| 2020 Q4 | $271.78M | $231.27M | $231.96M | $4.67M | 40 |
| 2020 Q3 | $281.25M | $241.33M | $244.26M | $3.25M | 41 |
| 2020 Q2 | $297.54M | $253.27M | $237.53M | $1.82M | 40 |
| 2020 Q1 | $251.84M | $213.83M | $214.11M | $816,000 | 41 |