FDIC Cert #25796 · Lagrange, Georgia · Est. 1984

Community Bank and Trust - West 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.

Compiled from official public sources by the publisher.
$288M
Total assets
C
Health grade · Fair
1.73%
Return on assets
8.4%
Tier 1 capital

Data updated July 2026

The verdict

Community Bank and Trust - West Georgia earns a PlainBankData health grade of C (51/100), with 8.41% Tier 1 capital, profitable at 1.73% ROA, 62% efficiency ratio.

#2,548
largest of 4,313 FDIC banks by assets
41st
percentile by asset size, nationally
8.41%
Tier 1 ratio - below the 10% well-capitalized line
83rd
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 25796 · GA C · 51/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-WATCH · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-C C (51/100)
  • BOTTOM-DECILE #4114/4307
  • PHOTO-FINISH Coastal Heritage Bank · MA
  • TIER1-ADEQ 8.4% Tier 1
  • TEXAS-WATCH 89.2% Texas
  • ROA-STRONG 1.73% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: Coastal Heritage Bank, MA (±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 Community Bank and Trust - West Georg…

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Coastal Heritage Bank · MA ·…51/100Commercial Bank · MO · near51/100Community Bank and T… · GA ·…51/100Fall River Five Cent… · MA ·…51/100First Fed Bank · WA · near51/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Community Bank and Trust - West Georg… · July 2026

Call Report read for Community Bank and Trust - West Georg… in a high-failure state

Community Bank and Trust - West Georgia (FDIC Cert #25796) carries a PlainBankData health grade of C at 51/100, 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 #4,114 of 4,307. Tier 1 capital prints at 8.41%, missing the 10% well-capitalized line. The Texas Ratio is 89.24%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is 1.73%. Balance-sheet scale is $288M, 2,548th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Coastal Heritage Bank (MA), 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 Community Bank and Trust - West Georg…

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

Community Bank and Trust - West 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 Community Bank and Trust - West 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 Community Bank and Trust - West Georgia's 51/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10051/100
Community Bank and Trust - West Georgia's composite health score
Tier 1 Capital Ratio (8.41%) 18/40
Return on Assets (ROA) (1.73%) 25/25
Texas Ratio (89.24%) 0/20
Efficiency Ratio (62.38%) 8/15

51 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$288M

Total balance-sheet footings

Total Deposits

$268M

Customer-funded liabilities

Net Loans

$186M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.01% 8.41% 9.81%
Basel III capital ratios - Community Bank and Trust - West Georgia

Where Community Bank and Trust - West Georgia ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Bank and Trust - West Georgia's score of 51/100 falls in the highlighted band.

Community Bank and Trust - West Georgia: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

51 4th percentile higher than 4% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Community Bank and Trust - West Georg… 0 100 every FDIC-insured bank with a health score, bucketed by value

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

Community Bank and Trust - West 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). Community Bank and Trust - West Georgia's $288M falls in the highlighted band.

Capital & credit buffers at Community Bank and Trust - West Georg…

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
8.41%
Texas Ratio
89.24%
Equity Capital
$17M

What these ratios mean →

Earnings posture at Community Bank and Trust - West Georg…

Return on Assets (ROA)
83rd percentile nationally
1.73%
Return on Equity (ROE)
34.22%
Efficiency Ratio
62.38%

What these mean →

Income & expense at Community Bank and Trust - West Georg…

$18M
Interest Income
$24M
Non-Interest Income
$22M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Bank and Trust - West Georgia reports a Texas Ratio of 89.24% - elevated, troubled assets are consuming a meaningful share of capital and reserves.

Texas Ratio
Caution 50%

89.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Community Bank and Trust - West Georgia

Community Bank and Trust - West Georgia's grade of C reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 89.24% sits above the 50% level analysts flag, meaning non-performing loans are consuming a meaningful share of loss-absorbing capital. Its Tier 1 capital ratio of 8.41% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Community Bank and Trust - West 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.

FDIC Failed Bank List → View Community Bank and Trust - West Georgia on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($288M here), outside Georgia so the neighborhood is not state containment.

First American State Bank $288M · CO Business Bank, The $288M · VT Bank of Crockett $288M · TN Sawyer Savings Bank $288M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Bank and Trust - West Georgia (FDIC Cert #25796) - 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.

Community Bank and Trust - West 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 →
BankAssetsGradeROA
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%