Total Assets
$158M
Total balance-sheet footings
FDIC Cert #876 · Dawson, Georgia · Est. 1911
Bank of Dawson - FDIC Bank Health Profile
A community-scale look at Bank of Dawson's own numbers, pulled straight from its quarterly FDIC Call Report.
- $158M
- Total assets
- A
- Health grade · Excellent
- 1.63%
- Return on assets
- 25.0%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Dawson earns a PlainBankData health grade of A (93/100), with well-capitalized at 24.97% Tier 1, profitable at 1.63% ROA, efficient (59% cost ratio).
- #3,286
- largest of 4,313 FDIC banks by assets
- 24th
- percentile by asset size, nationally
- 24.97%
- Tier 1 ratio - above the 10% well-capitalized line
- 80th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of Dawson's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Dawson's composite health score
Tier 1 Capital Ratio (24.97%) 40/40
Return on Assets (ROA) (1.63%) 25/25
Texas Ratio (11.03%) 16/20
Efficiency Ratio (59.18%) 12/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$132M
Customer-funded liabilities
Net Loans
$89M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Dawson ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Dawson's score of 93/100 falls in the highlighted band.
Bank of Dawson'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). Bank of Dawson's $158M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
24.97% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
24.97%
Texas Ratio
11.03%
Equity Capital
$25M
Profitability metrics
Return on Assets (ROA)
80th percentile nationally
1.63%
Return on Equity (ROE)
10.88%
Efficiency Ratio
59.18%
What the numbers say about Bank of Dawson
Bank of Dawson is an FDIC-insured institution (Certificate #876) headquartered in Dawson, Georgia, established in 1911. It holds $158M in total assets - 3,286th of 4,313 FDIC-insured banks, $132M in customer deposits, and $89M in net loans. On safety, its Tier 1 capital ratio of 24.97% is above the 10% well-capitalized threshold, and its Texas Ratio of 11.03% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (93/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Bank of Dawson ranks 106th of 129 banks based in Georgia -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$10M
Interest Income
$730K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Dawson reports a Texas Ratio of 11.03% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.03% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Dawson (FDIC Cert #876) - 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.
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% |
Frequently asked questions
What is Bank of Dawson's health grade?▼
Bank of Dawson receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Dawson?▼
Bank of Dawson holds $158M in total assets and $132M in deposits, ranking 3,286th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dawson, Georgia.
Is my money safe at Bank of Dawson?▼
Yes, deposits at Bank of Dawson (Certificate #876) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Dawson's Tier 1 Capital Ratio?▼
Bank of Dawson has a Tier 1 Capital Ratio of 24.97%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Dawson?▼
Bank of Dawson has a Texas Ratio of 11.03%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Dawson?▼
Bank of Dawson has an Efficiency Ratio of 59.18%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Dawson's profile as a depositor or analyst.
- Bank of Dawson's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Dawson against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.