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Bank of Lumber City


Bank of Lumber City is an FDIC insured institution headquartered at 21 Main St, Lumber City, GA 31549.
It was founded in 1945 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - July 21, 2026

SAVINGS RATES APY MIN
Savings
0.15% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.15% $10,000 Compare
6 Mo CD
0.15% $100,000 Compare
12 Mo CD
0.50% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
24 Mo CD
0.75% $10,000 Compare
24 Mo CD
0.75% $100,000 Compare
36 Mo CD
0.95% $10,000 Compare
36 Mo CD
0.95% $100,000 Compare
60 Mo CD
0.95% $10,000 Compare
60 Mo CD
0.95% $100,000 Compare
MM RATES APY MIN
Money Market
0.15% $2,500 Compare
Money Market
0.15% $10,000 Compare
Money Market
0.15% $25,000 Compare
FIXED IRA RATES APY MIN
Fixed IRA
0.50% $1
INT CHECKING RATES APY MIN
Int Ckg
0.15% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16281
Date Established 1945
Assets $ 24.98 million
Loans $ 8.90 million
Deposits $ 21.68 million
Capital $ 2.96 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 6.98 million
Interest-bearing balances $ 5.64 million
Total securities $ 4.80 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 8.90 million
Loan loss allowance $ 0.19 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.86 million
All other assets $ 2.00 million
     Total Assets $ 22.02 million

LIABILITIES
Total deposits $ 21.68 million
      Interest-bearing deposits $ 12.98 million
      Deposits held in domestic offices $ 21.68 million
      % insured (estimated)" 92.61%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.53 millionn
      Total Liabilities $ 22.02 million
      Shareholders’ Equity $ 2.96 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 1.28 million
Total Interest Expense $ 0.27 million
Net interest income $ 1.01 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.15 million
Total non interest expense $ 1.56 million
Pre-tax Net Operating Income N.A.

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