Total Assets
$85M
Total balance-sheet footings
FDIC Cert #5686 · Edison, Georgia · Est. 1904
The Bank of Edison - FDIC Bank Health Profile
A community-scale look at The Bank of Edison's own numbers, pulled straight from its quarterly FDIC Call Report.
- $85M
- Total assets
- C
- Health grade · Fair
- 0.87%
- Return on assets
- 14.6%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of Edison earns a PlainBankData health grade of C (63/100), with well-capitalized at 14.59% Tier 1, 0.87% ROA, 78% efficiency ratio.
- #3,868
- largest of 4,313 FDIC banks by assets
- 10th
- percentile by asset size, nationally
- 14.59%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- 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 The Bank of Edison's 63/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bank of Edison's composite health score
Tier 1 Capital Ratio (14.59%) 35/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (15.63%) 10/20
Efficiency Ratio (78.36%) 4/15
63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$80M
Customer-funded liabilities
Net Loans
$47M
Outstanding loan book
Net Income
$718K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of Edison ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Edison's score of 63/100 falls in the highlighted band.
The Bank of Edison'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). The Bank of Edison's $85M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.59%
Texas Ratio
15.63%
Equity Capital
$5M
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
17.30%
Efficiency Ratio
78.36%
What the numbers say about The Bank of Edison
The Bank of Edison is an FDIC-insured institution (Certificate #5686) headquartered in Edison, Georgia, established in 1904. It holds $85M in total assets - 3,868th of 4,313 FDIC-insured banks, $80M in customer deposits, and $47M in net loans. On safety, its Tier 1 capital ratio of 14.59% is above the 10% well-capitalized threshold, and its Texas Ratio of 15.63% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (63/100), 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, The Bank of Edison ranks 122nd 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
$5M
Interest Income
$946K
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. The Bank of Edison reports a Texas Ratio of 15.63% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.63% - 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) The Bank of Edison (FDIC Cert #5686) - 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 The Bank of Edison's health grade?▼
The Bank of Edison receives a health grade of C (63/100) 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 The Bank of Edison?▼
The Bank of Edison holds $85M in total assets and $80M in deposits, ranking 3,868th of 4,313 FDIC-insured banks by asset size. It is headquartered in Edison, Georgia.
Is my money safe at The Bank of Edison?▼
Yes, deposits at The Bank of Edison (Certificate #5686) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of Edison's Tier 1 Capital Ratio?▼
The Bank of Edison has a Tier 1 Capital Ratio of 14.59%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Bank of Edison?▼
The Bank of Edison has a Texas Ratio of 15.63%. 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 The Bank of Edison?▼
The Bank of Edison has an Efficiency Ratio of 78.36%. 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 The Bank of Edison's profile as a depositor or analyst.
- The Bank of Edison's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of Edison 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.