B
The Geo. D. Warthen Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Geo. D. Warthen Bank
Sandersville, GA
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Rating B
Asset Quality Index 6.40
Capitalization Index 10.00
Liquidity Index 3.60
Profitability Index 5.40
Stability Index 5.70
Company Info The Geo. D. Warthen Bank
Sandersville, GA
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FDIC Number 2154
Phone Number (478) 552-6901
Website www.gdwbank.com
Asset Quality The Geo. D. Warthen Bank
Sandersville, GA
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1-Year Asset Growth -6.10%
5-Year Asset Growth 2.33%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.78%
Non-Performing Loans to Capital 5.77%
Non-Performing Loans to Loans 1.40%
Balance Sheet The Geo. D. Warthen Bank
Sandersville, GA
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Total Assets 198.50M
Total Deposits 171.49M
Capital and Reserves The Geo. D. Warthen Bank
Sandersville, GA
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Capital 23.97M
Leverage Ratio 12.41
Loan Loss Reserves to Loans 1.46%
Risk-Based Capital Ratio 22.63
Liquidity The Geo. D. Warthen Bank
Sandersville, GA
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Hot Money Ratio 2.45%
Liquidity Ratio 26.22%
Profitability The Geo. D. Warthen Bank
Sandersville, GA
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5-Year Return on Average Assets 0.84%
Net Income 1.77M
Net Interest Spread 5.59%
Operating Profit to Average Assets 1.48%
Overhead Efficiency Ratio 73.10%
Return on Assets 1.15%
Return on Equity 10.37%