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Situated in an economically poor area of the state, Beeley notes that many of Georgia Community Bank’s customers are living at or below the poverty line, providing a notable opportunity for the bank to meet the needs of the communities it serves. “Their input costs are higher, their labor costs are higher, their energy costs are higher, so all of that has to be factored in, and then the one thing you have no control over is the weather,” she reports. With a broad spectrum of customers, including everything from personal banking to small Mom and Pop businesses, and agribusinesses, Beeley notes, “The larger loan relationships we have in the bank are mostly agricultural related.” With farming and agribusinesses feeling the effects of higher prices, she indicates that strong commodity prices are promising for that sector, even with increased operating costs. We have taken quite a few steps to bring ourselves together as one consolidated financial institution.”Įxplaining that this process has been an interesting transition, she adds, “It can be challenging to change a culture, and a philosophy when you’ve been operating for 60 to 100 years as 3 separately chartered banks, even though we were always under one holding company.” While much has changed over the years, one thing that has remained true for Georgia Community Bank is the commitment to its founding principles of community-focused banking that puts people first. In 2019, we collapsed our charter into one. Over the years the bank expanded, growing to include seven retail locations in seven counties throughout Southwest Georgia, operating under three separate chartered banks (formerly The Citizens State Bank of Taylor County, Commercial State Bank and Bank of Terrell).ĬEO Lucie Beeley describes, “We were always one organization, but we were operating independently of one another. Georgia Community Bank (GCB) was officially established in 2019 although this community banking institution has a much longer history, dating back to 1922 when the first bank was opened in Reynolds, Georgia, under the name of Citizens State Bank. Georgia Community Bank Banking at the heart of the community