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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 5686 · GA C · 63/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (63/100)
  • LOWER-Q #3589/4307
  • PHOTO-FINISH First National Bank… · MI
  • TIER1-WELL 14.6% Tier 1
  • TEXAS-HEALTHY 15.6% Texas
  • ROA-PAR 0.87% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: First National Bank & Trust Co., MI (±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 The Bank of Edison

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

Morgan Stanley Bank,… · UT ·…100/100Citizens National Ba… · MI ·…63/100First National Bank… · MI · …63/100Pennian Bank · PA · near63/100Resource Bank, Natio… · IL ·…63/100The Bank of Edison · GA · th…63/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Bank of Edison · July 2026

Call Report read for The Bank of Edison in a high-failure state

The Bank of Edison (FDIC Cert #5686) carries a PlainBankData health grade of C at 63/100, 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 #3,589 of 4,307. Tier 1 capital prints at 14.59%, clearing the 10% well-capitalized line. The Texas Ratio is 15.63%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.87%. Balance-sheet scale is $85M, 3,868th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank & Trust Co. (MI), 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 The Bank of Edison

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

The Bank of Edison 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 The Bank of Edison'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 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.

0/100100/100National avg77/10063/100
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 Assets

$85M

Total balance-sheet footings

Total Deposits

$80M

Customer-funded liabilities

Net Loans

$47M

Outstanding loan book

Net Income

$718K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.19% 14.59% 15.99%
Basel III capital ratios - The Bank of Edison

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

63 17th percentile higher than 17% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 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. The Bank of Edison 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

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.

Capital & credit buffers at The Bank of Edison

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

What these ratios mean →

Profitability metrics: The Bank of Edison

Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
17.30%
Efficiency Ratio
78.36%

What these mean →

Income & expense at The Bank of Edison

$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.

FDIC Failed Bank List → View The Bank of Edison 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 ($85M here), outside Georgia so the neighborhood is not state containment.

Eastern National Bank $85M · FL McClave State Bank $84M · CO Bank of Maple Plain $85M · MN New Century Bank $85M · KS

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.

The Bank of Edison 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%