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Texas Ratio List
Georgia banks continue to have problem with defaulting loans on the books. Georgia ranks number one in the nation for institutions showing more than 100% on the controversial Texas Ratio list. Check with the FDIC for limitations on secured deposits.
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From what I can gather this list is for 1st quater 2010. Please check all avialable resources for more information on specific banks and their Texas Ratio.
382 Alpha Bank & Trust Alpharetta GA
350 The Community Bank Loganville GA
281 FirstCity Bank Stockbridge GA
280 FirstBank Financial Services Mcd GA
273 First Security National Bank NorGA
270 First Georgia Community Bank Jackson GA
238 Ebank Atlanta GA
234 Security Bank of Gwinnett County Suw GA
210 Southern Community Bank Fayetteville GA
197 Omni National Bank Atlanta GA
194 Haven Trust Bank Duluth GA
191 First Piedmont Bank Winder GA
181 Security Bank of North Metro Wdstock GA
179 Neighborhood Community Bank Newnan GA
157 Freedom Bank of Georgia Commerce GA
139 The Gordon Bank Gordon GA
139 McIntosh Commercial Bank Carrollton GA
136 American Southern Bank Roswell GA
132 Citizens & Merchants State Bank DglasvGA
125 The Peoples Bank Lithonia GA
121 First Cherokee State Bank Woodstock GA
118 Chestatee State Bank Dawsonville GA
118 United Security Bank Sparta GA
116 Community Bank of West Georgia Villa GA
114 Community Capital Bank Jonesboro GA
109 First National Bank of Griffin GA
109 Habersham Bank Clarkesville GA
106 Bank of Lenox Lenox GA
102 Farmers & Merchants Bank Lakeland GA
102 The Tattnall Bank Reidsville GA
From the AJC
Georgia has more banks with Texas ratios above 100 percent than any other state:
Georgia 57
Florida 43
Illinois 29
Minn. 21
Wash. 17
The problem bank list
Georgia’s roster of troubled banks grew from 49 to 57 during the third quarter, as measured by the “Texas ratio.” A score of more than 100 means that a bank has more problem loans and foreclosed property than capital on hand to cover potential losses.
Bank Location, 4th quater score vs. 3rd quarter score
884-592 McIntosh Commercial Bank, Carrollton:
746-474 Century Security Bank, Johns Creek:
563-398 Appalachian Community Bank, Ellijay:
447-380 First Commerce Community Bank, Douglasville:
433-244 First State Bank, Stockbridge:
410-257 Bank of Hiawassee Bank, Hiawassee:
383-269 Habersham Bank, Clarkesville:
368-292 North Georgia Bank, Watkinsville:
362-231 Gordon Bank, Gordon:
358-215 Montgomery Bank & Trust, Ailey:
353-280 Security Exchange Bank, Marietta:
350-161 First National Bank, Savannah:
329-208 American Trust Bank, Roswell:
317-261 Chestatee State Bank, Dawsonville:
311-237 Douglas County Bank, Douglasville:
296-152 Bank of Ellijay, Ellijay:
248-198 Unity National Bank, Cartersville:
241-211 High Trust Bank, Stockbridge:
240-208 First Cherokee State Bank, Woodstock:
237-225 Gwinnett Community Bank, Duluth:
236-158 Enterprise Banking Co., McDonough:
233-228 Northwest Bank & Trust, Acworth:
226-124 Sunrise Bank of Atlanta, Atlanta:
225-129 Crescent Bank & Trust, Jasper:
225-244 Hometown Community Bank, Braselton:
224-126 Providence Bank, Alpharetta:
215-172 McIntosh State Bank, Jackson:
210-82 Satilla Community Bank, St. Marys:
209-192 Piedmont Community Bank, Gray:
202-192 Peoples Bank, Covington:
201-137 Darby Bank & Trust, Vidalia:
196-99 Park Avenue Bank, Valdosta:
189-118 Peoples Bank, Winder:
179-105 First Citizens Bank of Georgia, Dawsonville:
178-185 Peoples Bank & Trust, Buford:
173-127 Patriot Bank of Georgia, Cumming:
171-25 Citizens Bank of Effingham, Springfield:
167-120 Farmers & Merchants Bank, Lakeland:
166-138 Heritage Bank, Jonesboro:
165-75 Piedmont Bank, Lawrenceville:
161-155 Community Bank & Trust, LaGrange:
159-124 Northside Bank, Adairsville:
157-139 Community Capital Bank, Jonesboro:
155-110 Atlantic Southern Bank, Macon:
153-143 First National Bank, Barnesville:
152-131 WestSide Bank, Hiram:
145-139 Legacy State Bank, Loganville:
142-125 CreekSide Bank, Woodstock:
141-116 Mountain Heritage Bank, Clayton:
134-85 Central Bank of Georgia, Ellaville:
133-84 Decatur First Bank, Decatur:
126-80 New Horizons Bank, East Ellijay:
123-197 Peoples Community National Bank, Bremen:
122-56 Citizens State Bank, Kingsland:
120-99 Georgia Heritage Bank, Dallas:
119-102 Farmers Bank, Forsyth:
118-76 Bank of Newington, Newington:
117-50 Oglethorpe Bank, Brunswick:
116-130 First National Bank, Griffin:
114-99 Bartow County Bank, Cartersville:
114-98 PlantersFirst, Cordele:
112-61 Jasper Banking Co., Jasper:
106-64 First National Bank, Chatsworth:
105-108 Eastside Commercial Bank, Conyers:
