Total Assets
$288M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$268M
Customer-funded liabilities
Net Loans
$186M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
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
8.41%
Texas Ratio
89.24%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
83rd percentile nationally
1.73%
Return on Equity (ROE)
34.22%
Efficiency Ratio
62.38%
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. It holds $288M in total assets - 2,548th of 4,313 FDIC-insured banks, $268M in customer deposits, and $186M in net loans. Looking at capital strength, Tier 1 stands at 8.41%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 89.24%, above the 50% mark that flags elevated risk. It earns a PlainBankData health grade of C (51/100), 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, Community Bank and Trust - West Georgia ranks 73rd of 129 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Georgia by total assets
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.
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 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, ranking 2,548th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lagrange, Georgia.
Is my money safe at Community Bank and Trust - West Georgia?▼
Yes, deposits at Community Bank and Trust - West Georgia (Certificate #25796) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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.
What is the Texas Ratio for Community Bank and Trust - West Georgia?▼
Community Bank and Trust - West Georgia has a Texas Ratio of 89.24%. Crossing 50% is the point where analysts flag elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read Community Bank and Trust - West Georgia's profile as a depositor or analyst.
- Community Bank and Trust - West Georgia's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community Bank and Trust - West Georgia 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.