☰

Home›
Banks›
Community Bank and Trust - West Georgia

iAdvertiser Disclosure

Community Bank and Trust - West Georgia Rates & Review April 2026

Item: Community Bank and Trust - West Georgia
Rating: 6563
Author: JlWR

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Community Bank and Trust - West Georgia rates to other rates in our database, including 12-month CD rates currently at 2.75%, 6-month CD rates at 4.03% and 3-month CD rates at 1.41%. Savings rates are at 3.75% and money market rates are at 1.05%. Mortgage rates on 30-year fixed loans are around 5.53%. All these rates can be compared to Community Bank and Trust - West Georgia rates. MonitorBankRates evaluates the financial stability of Community Bank and Trust - West Georgia with a 5.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 20.76%. Rates were last updated on 04/23/2026.

Community Bank and Trust - West Georgia money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community Bank and Trust - West Georgia? Share your experience about Community Bank and Trust - West Georgia by leaving a review below, or read customer reviews before you decide to use Community Bank and Trust - West Georgia.

Overall Health & Safety Grade

B+

Good Health Score: 90/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

20.76%

Good Higher than avg

Community Bank and Trust - West Georgia

201 Broad St
Lagrange, GA 30240

https://www.redapplebank.com

Current Rate Availability

We do not have Community Bank and Trust - West Georgia rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Community Bank and Trust - West Georgia is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Community Bank and Trust - West Georgia rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Community Bank and Trust - West Georgia's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Community Bank and Trust - West Georgia

Bank Holding Company COMMUNITY BANKSHARES INC

Address 201 Broad St, Lagrange, GA 30240 · Troup

Website https://www.redapplebank.com

FDIC Certificate # 25796

Established 12/15/1984

FDIC Insurance Date 12/15/1984

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 90/100

5.0

Exceptional Out of 5.0 Stars

20.76%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0531%

Return on Equity (ROE) 29.3400%

Non-Performing Loans (NPL) 0.24%

Total Assets $288,221,000

Total Deposits $268,292,000

Equity Capital $17,037,000

Net Income $4,501,000

Headquarters Lagrange

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

JlWR

★★★★★

December 17, 2025

zGml

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Community Bank and Trust - West Georgia

Frequently Asked Questions About Community Bank and Trust - West Georgia

Is Community Bank and Trust - West Georgia a safe place to deposit money?

Yes, Community Bank and Trust - West Georgia is considered a safe financial institution. With a Texas Ratio of 20.757530569639%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Community Bank and Trust - West Georgia operate?

Community Bank and Trust - West Georgia currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Community Bank and Trust - West Georgia does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community Bank and Trust - West Georgia provides members with tools to manage their accounts and build a solid financial history.

Does Community Bank and Trust - West Georgia offer online and mobile banking?

Most modern institutions like Community Bank and Trust - West Georgia provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.redapplebank.com.