Total Assets
$86M
Total balance-sheet footings
FDIC Cert #10057 · Sparta, Georgia · Est. 1904
Bank of Hancock County - FDIC Bank Health Profile
A community-scale look at Bank of Hancock County's own numbers, pulled straight from its quarterly FDIC Call Report.
- $86M
- Total assets
- B
- Health grade · Good
- 0.58%
- Return on assets
- 20.0%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Hancock County earns a PlainBankData health grade of B (74/100), with well-capitalized at 20.01% Tier 1, 0.58% ROA, 89% efficiency ratio.
- #3,849
- largest of 4,313 FDIC banks by assets
- 11th
- percentile by asset size, nationally
- 20.01%
- Tier 1 ratio - above the 10% well-capitalized line
- 19th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank of Hancock County's 74/100 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 Hancock County's composite health score
Tier 1 Capital Ratio (20.01%) 40/40
Return on Assets (ROA) (0.58%) 14/25
Texas Ratio (1.31%) 20/20
Efficiency Ratio (89.23%) 0/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$72M
Customer-funded liabilities
Net Loans
$19M
Outstanding loan book
Net Income
$484K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Hancock County ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Hancock County's score of 74/100 falls in the highlighted band.
Bank of Hancock County'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 Hancock County's $86M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
20.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
20.01%
Texas Ratio
1.31%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
19th percentile nationally
0.58%
Return on Equity (ROE)
3.81%
Efficiency Ratio
89.23%
What the numbers say about Bank of Hancock County
Bank of Hancock County is an FDIC-insured institution (Certificate #10057) headquartered in Sparta, Georgia, established in 1904. It holds $86M in total assets - 3,849th of 4,313 FDIC-insured banks, $72M in customer deposits, and $19M in net loans. On safety, its Tier 1 capital ratio of 20.01% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.31% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (74/100), 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 Hancock County ranks 119th 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
$4M
Interest Income
$312K
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. Bank of Hancock County reports a Texas Ratio of 1.31% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.31% - 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 Hancock County (FDIC Cert #10057) - 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 Hancock County's health grade?▼
Bank of Hancock County receives a health grade of B (74/100) 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 Hancock County?▼
Bank of Hancock County holds $86M in total assets and $72M in deposits, ranking 3,849th of 4,313 FDIC-insured banks by asset size. It is headquartered in Sparta, Georgia.
Is my money safe at Bank of Hancock County?▼
Yes, deposits at Bank of Hancock County (Certificate #10057) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Hancock County's Tier 1 Capital Ratio?▼
Bank of Hancock County has a Tier 1 Capital Ratio of 20.01%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Hancock County?▼
Bank of Hancock County has a Texas Ratio of 1.31%. 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 Hancock County?▼
Bank of Hancock County has an Efficiency Ratio of 89.23%. 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 Hancock County's profile as a depositor or analyst.
- Bank of Hancock County's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Hancock County 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.