bank

The Geo. D. Warthen Bank

Sandersville, GA · Est. 1871 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

The Geo. D. Warthen Bank is a bank based in Sandersville, Georgia, established in 1871, with $207 million in total assets across 1 branch. By Trust Grade it ranks 29th of 124 banks we track in Georgia. Its capital ratio of 11.8% is stronger than 71% of similarly sized banks, versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 1.21% return on assets. No consumer complaints against The Geo. D. Warthen Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$206.7M
$100M–1B institution
Deposits
$179.1M
Branches
1
Capital ratio
11.8%
Top 29% of $100M–1B peers · Georgia median 10.5%
Return on assets
1.2%
Top 50% of $100M–1B peers · Georgia median 1.53%
Rank in Georgia
#29
of 124 banks

How The Geo. D. Warthen Bank compares to Georgia peers

Capital ratio
Top 29% of $100M–1B peers
The Geo.
11.8%
Georgia median
10.5%
Higher capital ratio = stronger financial cushion
Return on assets
Top 50% of $100M–1B peers
The Geo.
1.2%
Georgia median
1.5%
Higher ROA = more profitable relative to asset base

How we graded The Geo. D. Warthen Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (11.8% capital ratio)
  • Strongly profitable (ROA 1.21%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The Geo. D. Warthen Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (1)

  • 216 N Harris St, Sandersville, GA 31082

Are deposits at The Geo. D. Warthen Bank insured?

Yes. The Geo. D. Warthen Bank is an FDIC-insured bank (FDIC certificate #2154). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The Geo. D. Warthen Bank: frequently asked questions

Is The Geo. D. Warthen Bank a good bank?

The Geo. D. Warthen Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.8% capital ratio); Strongly profitable (ROA 1.21%).

Is The Geo. D. Warthen Bank FDIC-insured?

Yes. The Geo. D. Warthen Bank is a FDIC-insured bank (FDIC certificate #2154). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The Geo. D. Warthen Bank?

The Geo. D. Warthen Bank holds $207 million in total assets, ranking 29th of 124 banks we track in Georgia. It operates 1 branch.

Does The Geo. D. Warthen Bank have CFPB complaints?

No CFPB complaints against The Geo. D. Warthen Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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