B
Great Oaks Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Great Oaks Bank
Richmond Hill, GA
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Rating B
Asset Quality Index 8.70
Capitalization Index 7.60
Liquidity Index 3.30
Profitability Index 6.80
Stability Index 5.70
Company Info Great Oaks Bank
Richmond Hill, GA
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FDIC Number 16780
Phone Number (912) 445-6868
Website greatoaks.bank
Asset Quality Great Oaks Bank
Richmond Hill, GA
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1-Year Asset Growth 7.14%
5-Year Asset Growth 25.60%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.02%
Non-Performing Loans to Loans 0.00%
Balance Sheet Great Oaks Bank
Richmond Hill, GA
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Total Assets 408.88M
Total Deposits 368.89M
Capital and Reserves Great Oaks Bank
Richmond Hill, GA
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Capital 33.51M
Leverage Ratio 9.37
Loan Loss Reserves to Loans 1.69%
Risk-Based Capital Ratio 14.02
Liquidity Great Oaks Bank
Richmond Hill, GA
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Hot Money Ratio 11.08%
Liquidity Ratio 33.62%
Profitability Great Oaks Bank
Richmond Hill, GA
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5-Year Return on Average Assets 1.17%
Net Income 4.71M
Net Interest Spread 4.56%
Operating Profit to Average Assets 1.62%
Overhead Efficiency Ratio 63.45%
Return on Assets 1.62%
Return on Equity 19.94%