Wilkinson County Bank

What Wilkinson County Bank does

Wilkinson County Bank is a community bank division of Apex Banking Company of Georgia, headquartered at 105 East Bank Street, Irwinton, Georgia. Founded in 1907, the bank provides personal banking (checking, savings, and borrowing), business banking (checking, borrowing, business services, and cash management), and residential mortgage services to individual consumers, small business owners, and homebuyers in Wilkinson County and surrounding Georgia communities. The bank is FDIC-insured, with deposits backed by the full faith and credit of the U.S. Government.

The bank's technology stack centers on a digital banking platform consisting of an online banking web interface and mobile applications for iPhone and Android, providing 24/7 account access, transfers, and standard self-service banking functions. No proprietary technology, API platform, AI/ML capabilities, or differentiated technical architecture is documented in the source material; the digital layer appears to be standard community-bank functionality layered on top of traditional branch-based service delivery.

The bank generates revenue through traditional banking streams: net interest income on personal loans, business loans, and mortgages, plus interest earned on deposits; and banking fees and service charges associated with checking accounts, business services, and cash management. Pricing is not publicly disclosed — loan pricing is quote-based and customers must contact the branch for fee schedules — indicating a relationship-banking, direct-to-consumer go-to-market motion rather than transactional or digital-first acquisition. The bank operates from a single physical branch with a workforce of 11-50 employees and supports a hybrid service model combining in-branch relationship banking with self-serve digital channels.

Name

Wilkinson County Bank

Legal name

Apex Banking Company of Georgia

Website

https://wilcobank.com

Company type

Private

Founded year

1907

Operating status

Operating

Headcount range

11–50 employees

Short description

Wilkinson County Bank is a community bank division of Apex Banking Company of Georgia, founded in 1907 and headquartered in Irwinton, GA. It provides FDIC-insured personal, business, and mortgage banking services to consumers, small businesses, and homebuyers in Wilkinson County and surrounding Georgia regions.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Residential Mortgage Origination & Servicing (Retail) (FSABAAAD)

Keywords

• Community banking
• Retail banking services
• Consumer lending
• Small business banking
• Residential mortgages

Headquarters

HQ city

Irwinton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Traditional bank revenue from lending activities including personal loans, business loans, and mortgages. Interest earned on checking, savings, and loan accounts.
2. Banking Fees and Service Charges: Fees associated with checking accounts, business services, cash management, and other banking operations.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Wilkinson County Bank provides FDIC-insured retail banking products including personal checking and savings accounts, personal and business loans, residential mortgage financing, business checking and cash management services, and 24/7 digital banking via online and mobile platforms. The bank operates from a single branch in Irwinton, Georgia, and serves individual consumers, small businesses, and homebuyers in Wilkinson County and surrounding communities as a division of Apex Banking Company of Georgia.

Product overview

Wilkinson County Bank, a division of Apex Banking Company of Georgia, operates as a community bank offering a unified suite of banking products. The product portfolio includes Digital Banking (online and mobile platforms), Personal Banking (checking, savings, and borrowing), Business Banking (checking, borrowing, business services, and cash management), and Mortgage Services. All products are FDIC-insured and backed by the full faith and credit of the U.S. Government.

Differentiator

Problem solved

Functional benefit

Products and services

• Digital Banking Online banking platform enabling 24/7 account access through web browsers, providing safe and convenient banking services for personal and business customers.
• Mobile Banking Mobile application for iPhone and Android that allows customers to access their accounts and banking services on the go, available 24/7.
• Personal Checking Personal checking account offerings designed to meet everyday banking needs with various features and benefits for individual consumers.
• Personal Savings Savings account options to help customers save and grow their money for various financial goals.
• Personal Borrowing Personal loan and credit products to meet individual borrowing needs of consumer customers.
• Business Checking Business checking accounts with features and services tailored for business banking needs, including local small businesses.
• Business Borrowing Commercial lending products including loans and credit solutions for businesses.
• Business Services Additional services for businesses including payment solutions and financial management tools.
• Cash Management Cash flow management and treasury services for business customers to optimize their financial operations.
• Mortgage Services Residential mortgage products and lending services for home purchases and refinancing offered to homebuyers and property owners.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators1 record

Recent moves1 record

Market position

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/apexbankcoga
• LinkedInlinkedin.com/company/wilkinson-county-bank
• Instagraminstagram.com/apexbankcoga

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wilkinson County Bank