Community Bank & Trust - West Georgia
Lagrange, GA·RSSD 761833·FDIC 25796·bank:761833·Risk-based ratios where reported
- #76 of 129Total assets in Georgia
- 3offices
- 44employees
- Top 1%Deposit growth in the U.S.
- Top 2%Fee income vs. peers
Performance over time
22 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Community Bank & Trust - West Georgia
13 of 24 FORFI signals stand out against 1246 similar banks, based on FDIC data for the quarter.
Margin squeezed by funding costsWorth a look: Earnings FORFI signal2.42%peers 3.94%-152 bps
Community Bank & Trust - West Georgia's net interest margin lagged similar banks as its cost of deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 2.42% | 3.94% | -152 bps |
| Cost of all deposits | ||
| 3.32% | 1.71% | +161 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1246 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community Bank & Trust - West Georgia itself is left out of every peer median and percentile. How signals work
Unrealized securities position improving faster than peersStrength: Capital1451.0%peers -7.3%+1458.3 pp
Community Bank & Trust - West Georgia's unrealized securities gain or loss relative to Tier 1 capital rose 1477.6 percentage points over the past year to 1451.0%. Among 1246 similar banks, the median rose 3.8 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Unrealized securities gain or loss relative to Tier 1 capital | ||
| 1451.0% | -7.3% | +1458.3 pp |
| 12-month change | ||
| +1477.6 pp | +3.8 pp | +1473.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1246 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community Bank & Trust - West Georgia itself is left out of every peer median and percentile. How signals work
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality6.37%peers 0.00%+637 bps
Community Bank & Trust - West Georgia's annualized net charge-off rate rose 360 bps over the past year to 6.37%. Among 1229 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 6.37% | 0.00% | +637 bps |
| 12-month change | ||
| +360 bps | 0 bps | +360 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1246 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community Bank & Trust - West Georgia itself is left out of every peer median and percentile. How signals work
Deposits growing faster than peersStrength: Funding+42.6%peers +3.6%+39.0 pp
Community Bank & Trust - West Georgia's deposits grew 42.6% over the past year to $287 million. The median among 1237 similar banks was +3.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| +42.6% | +3.6% | +39.0 pp |
| Deposits | ||
| $287 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1246 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community Bank & Trust - West Georgia itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency92.6%peers 64.6%+28.0 pp
Community Bank & Trust - West Georgia's efficiency ratio rose 13.3 percentage points over the past year to 92.6%. Among 1246 similar banks, the median fell 2.9 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 92.6% | 64.6% | +28.0 pp |
| 12-month change | ||
| +13.3 pp | -2.9 pp | +16.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1246 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community Bank & Trust - West Georgia itself is left out of every peer median and percentile. How signals work
8 more observations
- Net interest margin narrowing while the peer median widensEarnings
- Return on assets falling while the peer median risesEarnings
- Leverage capital ratio falling while the peer median risesCapital
- Problem loans rising while the peer median holds steadyAsset quality
- Fee and other noninterest income among the highest of similar banksEarnings
- Deposit costs rising while the peer median fallsFunding
- Deposit costs among the highest of similar banksFunding
- Total assets growing faster than peersGrowth
Key facts
- Community Bank & Trust - West Georgia is a bank headquartered in Lagrange, Georgia. It reported $293 million in total assets for the quarter ended March 31, 2026.
- Deposits totaled $287 million, up 42.6% from a year earlier, and loans totaled $191 million, up 2.3%.
- Its net interest margin was 2.42% and its annualized return on assets was -6.97% for the quarter.
- Its cost of all deposits was 3.32%, compared with a median of 1.71% among 1237 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Community Bank & Trust - West Georgia's own data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Community Bank & Trust - West Georgia · Bank
- Federal Reserve RSSD
- 761833
- FDIC certificate
- 25796
- Reporting period
- Peer group
- 1246 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community Bank & Trust - West Georgia itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$4.99M | — | |
| $3.73M | — | |
| $2.27M | — | |
| $1.46M | — | |
| $5.03M | — | |
| $6.02M | — | |
| $6.36M | — | |
| $6.36M | — | |
| -6.97% | -6.88%ROAQ · Quarter | |
| 2.42% | 2.39%NIMYQ · Quarter | |
| 92.61% | 92.38%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-24T23:15:30.441988+00:00. Separate reference provenance is included in the export.