Total Assets
$284M
Total balance-sheet footings
FDIC Cert #15336 · Twin City, Georgia · Est. 1934
Durden Banking Company, Incorporated - FDIC Bank Health Profile
A community-scale look at Durden Banking Company, Incorporated's own numbers, pulled straight from its quarterly FDIC Call Report.
- $284M
- Total assets
- A
- Health grade · Excellent
- 3.10%
- Return on assets
- 21.8%
- Tier 1 capital
Data updated July 2026
The verdict
Durden Banking Company, Incorporated earns a PlainBankData health grade of A (100/100), with well-capitalized at 21.84% Tier 1, profitable at 3.10% ROA, efficient (48% cost ratio).
- #2,579
- largest of 4,313 FDIC banks by assets
- 40th
- percentile by asset size, nationally
- 21.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 98th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Durden Banking Company, Incorporated's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Durden Banking Company, Incorporated's composite health score
Tier 1 Capital Ratio (21.84%) 40/40
Return on Assets (ROA) (3.10%) 25/25
Texas Ratio (0.61%) 20/20
Efficiency Ratio (48.21%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$238M
Customer-funded liabilities
Net Loans
$231M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Durden Banking Company, Incorporated ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Durden Banking Company, Incorporated's score of 100/100 falls in the highlighted band.
Durden Banking Company, Incorporated'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). Durden Banking Company, Incorporated's $284M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.84%
Texas Ratio
0.61%
Equity Capital
$45M
Profitability metrics
Return on Assets (ROA)
98th percentile nationally
3.10%
Return on Equity (ROE)
21.81%
Efficiency Ratio
48.21%
What the numbers say about Durden Banking Company, Incorporated
Durden Banking Company, Incorporated is an FDIC-insured institution (Certificate #15336) headquartered in Twin City, Georgia, established in 1934. It holds $284M in total assets - 2,579th of 4,313 FDIC-insured banks, $238M in customer deposits, and $231M in net loans. Its capital position: a Tier 1 ratio of 21.84%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.61% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Durden Banking Company, Incorporated sits 74th of 129 banks headquartered in Georgia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$19M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Durden Banking Company, Incorporated reports a Texas Ratio of 0.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.61% - 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) Durden Banking Company, Incorporated (FDIC Cert #15336) - 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 Durden Banking Company, Incorporated's health grade?▼
Durden Banking Company, Incorporated receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Durden Banking Company, Incorporated?▼
Durden Banking Company, Incorporated holds $284M in total assets and $238M in deposits, ranking 2,579th of 4,313 FDIC-insured banks by asset size. It is headquartered in Twin City, Georgia.
Is my money safe at Durden Banking Company, Incorporated?▼
Yes, deposits at Durden Banking Company, Incorporated (Certificate #15336) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Durden Banking Company, Incorporated's Tier 1 Capital Ratio?▼
Durden Banking Company, Incorporated has a Tier 1 Capital Ratio of 21.84%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Durden Banking Company, Incorporated?▼
Durden Banking Company, Incorporated has a Texas Ratio of 0.61%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Durden Banking Company, Incorporated?▼
Durden Banking Company, Incorporated has an Efficiency Ratio of 48.21%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Durden Banking Company, Incorporated's profile as a depositor or analyst.
- Durden Banking Company, Incorporated's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Durden Banking Company, Incorporated 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.