Total Assets
$502M
Total balance-sheet footings
FDIC Cert #9068 · Dudley, Georgia · Est. 1905
Bank of Dudley - FDIC Bank Health Profile
A community-scale look at Bank of Dudley's own numbers, pulled straight from its quarterly FDIC Call Report.
- $502M
- Total assets
- B
- Health grade · Good
- 1.25%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Dudley earns a PlainBankData health grade of B (66/100), with 9.67% Tier 1 capital, profitable at 1.25% ROA, 63% efficiency ratio.
- #1,780
- largest of 4,313 FDIC banks by assets
- 59th
- percentile by asset size, nationally
- 9.67%
- Tier 1 ratio - below the 10% well-capitalized line
- 61st
- 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 Dudley's 66/100 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 Dudley's composite health score
Tier 1 Capital Ratio (9.67%) 18/40
Return on Assets (ROA) (1.25%) 20/25
Texas Ratio (0.88%) 20/20
Efficiency Ratio (62.89%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$453M
Customer-funded liabilities
Net Loans
$337M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Dudley ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Dudley's score of 66/100 falls in the highlighted band.
Bank of Dudley'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 Dudley's $502M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.67% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.67%
Texas Ratio
0.88%
Equity Capital
$47M
Profitability metrics
Return on Assets (ROA)
61st percentile nationally
1.25%
Return on Equity (ROE)
13.40%
Efficiency Ratio
62.89%
What the numbers say about Bank of Dudley
Bank of Dudley is an FDIC-insured institution (Certificate #9068) headquartered in Dudley, Georgia, established in 1905. It holds $502M in total assets - 1,780th of 4,313 FDIC-insured banks, $453M in customer deposits, and $337M in net loans. Looking at capital strength, Tier 1 stands at 9.67%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.88%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (66/100), 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.
Within Georgia, Bank of Dudley ranks 39th of 129 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$28M
Interest Income
$2M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Dudley reports a Texas Ratio of 0.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.88% - 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 Dudley (FDIC Cert #9068) - 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 Dudley's health grade?▼
Bank of Dudley receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bank of Dudley?▼
Bank of Dudley holds $502M in total assets and $453M in deposits, ranking 1,780th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dudley, Georgia.
Is my money safe at Bank of Dudley?▼
Yes, deposits at Bank of Dudley (Certificate #9068) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Dudley's Tier 1 Capital Ratio?▼
Bank of Dudley has a Tier 1 Capital Ratio of 9.67%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Bank of Dudley?▼
Bank of Dudley has a Texas Ratio of 0.88%. 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 Dudley?▼
Bank of Dudley has an Efficiency Ratio of 62.89%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Dudley's profile as a depositor or analyst.
- Bank of Dudley's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Dudley 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.