Total Assets
$77M
Total balance-sheet footings
FDIC Cert #10074 · Cleveland, Georgia · Est. 1907
Apex Banking Company of Georgia - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $77M
- Total assets
- D
- Health grade · Weak
- 0.47%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
Apex Banking Company of Georgia earns a PlainBankData health grade of D (45/100), with 9.68% Tier 1 capital, 0.47% ROA, 85% efficiency ratio.
- #3,934
- largest of 4,313 FDIC banks by assets
- 9th
- percentile by asset size, nationally
- 9.68%
- Tier 1 ratio - below the 10% well-capitalized line
- 15th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 10074 · GA D · 45/100
GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL
- GRADE-D D (45/100)
- BOTTOM-DECILE #4207/4307
- PHOTO-FINISH American State Bank · TX
- TIER1-ADEQ 9.7% Tier 1
- TEXAS-CLEAN 0.8% Texas
- ROA-THIN 0.47% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside Georgia: American State Bank, TX (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Apex Banking Company of Georgia
Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.
Call Report read for Apex Banking Company of Georgia in a high-failure state
Apex Banking Company of Georgia (FDIC Cert #10074) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,207 of 4,307. Tier 1 capital prints at 9.68%, missing the 10% well-capitalized line. The Texas Ratio is 0.76%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.47%. Balance-sheet scale is $77M, 3,934th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is American State Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Apex Banking Company of Georgia
94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus
Apex Banking Company of Georgia sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about Apex Banking Company of Georgia's current Call Report.
- THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
- CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
- THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.
How Apex Banking Company of Georgia's 45/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (9.68%) 18/40
Return on Assets (ROA) (0.47%) 7/25
Texas Ratio (0.76%) 20/20
Efficiency Ratio (85.29%) 0/15
45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$71M
Customer-funded liabilities
Net Loans
$37M
Outstanding loan book
Net Income
$313K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Apex Banking Company of Georgia ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Apex Banking Company of Georgia's score of 45/100 falls in the highlighted band.
Apex Banking Company of Georgia: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
45 2nd percentile higher than 2% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Apex Banking Company of Georgia's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Apex Banking Company of Georgia's $77M falls in the highlighted band.
Capital & credit buffers at Apex Banking Company of Georgia
Tier 1 capital ratio
Well-capitalized 10%
9.68% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.68%
Texas Ratio
0.76%
Equity Capital
$6M
Profitability metrics: Apex Banking Company of Georgia
Return on Assets (ROA)
15th percentile nationally
0.47%
Return on Equity (ROE)
5.87%
Efficiency Ratio
85.29%
Income & expense at Apex Banking Company of Georgia
$4M
Interest Income
$255K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Apex Banking Company of Georgia reports a Texas Ratio of 0.76% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.76% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Apex Banking Company of Georgia
Apex Banking Company of Georgia's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.68% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Apex Banking Company of Georgia up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Georgia by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($77M here), outside Georgia so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Apex Banking Company of Georgia (FDIC Cert #10074) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Apex Banking Company of Georgia Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |