Total Assets
$288M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Community Bank and Trust - West Georgia — FDIC Bank Health Profile
Lagrange, Georgia · Est. 1984. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #25796 Atlanta Region
C
Health grade
Fair
Score: 51/100
Basel III capital ratios — Community Bank and Trust - West Georgia
Total Deposits
$268M
Customer-funded liabilities
Net Loans
$186M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
8.41% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
8.41%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$17M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.73%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
33.17%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
62.38%
Income & Expense Breakdown
$18M
Interest Income
$24M
Non-Interest Income
$22M
Non-Interest Expense
FDIC Deposit Insurance
Community Bank and Trust - West Georgia is FDIC-insured (Certificate #25796). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Community Bank and Trust - West Georgia
Community Bank and Trust - West Georgia is an FDIC-insured institution (Certificate #25796) headquartered in Lagrange, Georgia, established in 1984. The bank currently holds $288M in total assets and $268M in customer deposits, with $186M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Community Bank and Trust - West Georgia reports a Tier 1 Capital Ratio of 8.41% — meeting the 6% "adequately capitalized" minimum but below the 10% "well-capitalized" benchmark and a Texas Ratio of —. Equity capital stands at $17M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.73% and a Return on Equity of 33.17%, with an Efficiency Ratio of 62.38% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (51/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Community Bank and Trust - West Georgia is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Georgia by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Community Bank and Trust - West Georgia (FDIC Cert #25796) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Bank Atlanta | $27.4B | B | 1.64% |
| RBC Bank, (Georgia) National Association Atlanta | $8.0B | A | 2.48% |
| Metro City Bank Doraville | $4.7B | A | 1.80% |
| Colony Bank Fitzgerald | $3.7B | C | 0.92% |
| Georgia Banking Company Atlanta | $2.7B | C | 0.99% |
| United Bank Zebulon | $2.3B | A | 2.66% |
| Pinnacle Bank Elberton | $2.3B | C | 1.29% |
| Queensborough National Bank & Trust Company Louisville | $2.2B | C | 1.05% |
Frequently Asked Questions
What is Community Bank and Trust - West Georgia's health grade? ▼
Community Bank and Trust - West Georgia receives a health grade of C (51/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Community Bank and Trust - West Georgia? ▼
Community Bank and Trust - West Georgia holds $288M in total assets and $268M in deposits. It is headquartered in Lagrange, Georgia.
Is my money safe at Community Bank and Trust - West Georgia? ▼
Yes. Community Bank and Trust - West Georgia is FDIC-insured (Certificate #25796). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Community Bank and Trust - West Georgia's Tier 1 Capital Ratio? ▼
Community Bank and Trust - West Georgia has a Tier 1 Capital Ratio of 8.41%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
How efficient is Community Bank and Trust - West Georgia? ▼
Community Bank and Trust - West Georgia has an Efficiency Ratio of 62.38%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.