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Bank, Duluth, GA
PromiseOne Bank
A bank based in Duluth, GA. Its commercial book is mostly non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $372M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 1
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 148
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $812M
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 678-385-0800 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.promiseone.bankFrom the FDIC record, November 9, 2026.
- Commercial lending page
- promiseone.bankFrom the lender's website, retrieved November 11, 2026.
- Address
- 2385 Pleasant Hill Rd, Duluth, GA 30096FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 135 under Preferred Lender authority, 7 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 16.6% to $241.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 6.8% to $72.3M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 19.2% to $37.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| 2023-10 to 2026-09 | Named as the lender on 12 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Maryland | SBA 7(a), Full-Service Restaurants | $5M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Tennessee | SBA 7(a), Hotels (except Casino Hotels) and Motels | $5M | 8.25% | 24 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Beer, Wine, and Liquor Retailers | $5M | 7.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Other Building Equipment Contractors | $3.8M | 7.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Gasoline Stations with Convenience Stores | $2.4M | 6.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Furniture Retailers | $2.3M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Gasoline Stations with Convenience Stores | $1.8M | 7.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Tennessee | SBA 7(a), Limited-Service Restaurants | $1.4M | 8% | 25 yr | SBA FOIA | |
| Sep 2026 | Mississippi | SBA 7(a), Gasoline Stations with Convenience Stores | $1.3M | 8% | 25 yr | SBA FOIA | |
| Sep 2026 | Michigan | SBA 7(a), All Other Plastics Product Manufacturing | $1.1M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Manufacturing | $960K | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Limited-Service Restaurants | $910K | 8.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Pennsylvania | SBA 7(a), Beer, Wine, and Liquor Retailers | $800K | 8.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Gasoline Stations with Convenience Stores | $730K | 8% | 25 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Other Services to Buildings and Dwellings | $150K | 9.5% | 10 yr | SBA FOIA | |
| Aug 2026 | Florida | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $1.2M | 7.75% | 17 yr | SBA FOIA | |
| Aug 2026 | California | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $830K | 8% | 10 yr | SBA FOIA | |
| Aug 2026 | Georgia | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $290K | 8.75% | 10 yr | SBA FOIA | |
| Jul 2026 | Delaware | SBA 7(a), Retail Trade | $2.6M | 9% | 10 yr | SBA FOIA | |
| Jul 2026 | Tennessee | SBA 7(a), Cosmetics, Beauty Supplies, and Perfume Retailers | $2.5M | 8% | 25 yr | SBA FOIA | |
| Jul 2026 | Tennessee | SBA 7(a), Limited-Service Restaurants | $2.2M | 8% | 25 yr | SBA FOIA | |
| Jul 2026 | Texas | SBA 7(a), Hotels (except Casino Hotels) and Motels | $2.2M | 6.5% | 25 yr | SBA FOIA | |
| 2025 | Nassau County, NY | Purchase, 5 to 24 units | $1.1M | HMDA 2025 | |||
| 2024 | Philadelphia County, PA | Purchase, 5 to 24 units | $600K | 7% | 5 yr | 47% | HMDA 2024 |
| Apr 2024 | New Mexico | SBA 504, Hotels (except Casino Hotels) and Motels | $2.4M | 25 yr | SBA FOIA | ||
| 147 SBA 7(a) loans since October 2023, net of cancelled | $171M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 12 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name PromiseOne Bank as the lender, totaling $17.5M.
- 3 of them were recorded in the latest 12 months of that window.
| Property class | Mortgages | Dollars |
|---|---|---|
| Retail | 8 | $10.8M |
| Industrial | 2 | $3.20M |
| Mixed use | 1 | $1.40M |
| Multifamily | 1 | $2.20M |
| Borough | Mortgages |
|---|---|
| Brooklyn | 4 |
| Queens | 4 |
| Bronx | 3 |
| Manhattan | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $15.5M | 2.5% | +14.0% |
| Construction and land development | $2.12M | 0.3% | -32.2% |
| Owner-occupied CRE | $72.3M | 11.7% | +6.8% |
| Non-owner-occupied CRE | $242M | 39.1% | +16.6% |
| Farmland | $2.60M | 0.4% | -27.3% |
| Commercial and industrial | $37.6M | 6.1% | +19.2% |
| Commercial total | $372M |
Reference only: $247M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $276M |
| Q4 2023 | $271M |
| Q1 2024 | $273M |
| Q2 2024 | $283M |
| Q3 2024 | $285M |
| Q4 2024 | $295M |
| Q1 2025 | $320M |
| Q2 2025 | $327M |
| Q3 2025 | $340M |
| Q4 2025 | $350M |
| Q1 2026 | $354M |
| Q2 2026 | $372M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 1 | $1.1M | $1.1M | $1.1M | HMDA, |
| Multifamily, 5 or more units | 2024 | 1 | $600K | $600K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 23 | $8.34M | $245K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 147 | $171M | $670K | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 62 | $85.7M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $2.4M | $2.4M | $2.4M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its name and state. SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
| Industry | Loans | Dollars |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 21 | $59.4M |
| Gasoline Stations with Convenience Stores | 18 | $26.5M |
| Full-Service Restaurants | 15 | $12.0M |
| Limited-Service Restaurants | 15 | $11.5M |
| Beer, Wine, and Liquor Retailers | 11 | $21.4M |
Other lenders in these fields: SBA lenders for hotels and motels, SBA lenders for gas stations and convenience stores, SBA lenders for restaurants.
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- PromiseOne Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $1,752,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $2,590,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 14 | $771K |
| Over $100,000 up to $250,000 | 52 | $5.37M |
| Over $250,000 up to $1 million | 78 | $13.3M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 1 | $39.0K |
| Over $100,000 up to $250,000 | 19 | $2.81M |
| Over $250,000 up to $1 million | 184 | $53.0M |
| Original amount | Loans | Holds |
|---|---|---|
| Over $250,000 up to $500,000 | 1 | $73.0K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Georgia HQ | 6 | 0 | 19 | 55 | 0 |
| Texas | 1 | 0 | 2 | 17 | 0 |
| New York | 1 | 1 | 1 | 6 | 0 |
| Virginia | 2 | 0 | 0 | 6 | 0 |
| Pennsylvania | 0 | 0 | 0 | 17 | 0 |
| Florida | 0 | 0 | 0 | 12 | 0 |
| Tennessee | 0 | 0 | 0 | 7 | 0 |
| Maryland | 0 | 0 | 0 | 6 | 0 |
| Alabama | 0 | 0 | 0 | 3 | 0 |
| North Carolina | 0 | 0 | 1 | 2 | 0 |
| New Jersey | 0 | 0 | 0 | 3 | 0 |
| South Carolina | 0 | 0 | 0 | 3 | 0 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- PromiseOne Bank has 10 offices in 6 counties and 4 states (FDIC Summary of Deposits, June 30, 2026): 10 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Gwinnett County, GA | 3 | 0 |
| Fulton County, GA | 2 | 0 |
| Fairfax County, VA | 2 | 0 |
| DeKalb County, GA | 1 | 0 |
| Queens County, NY | 1 | 0 |
| Harris County, TX | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $13.7M | $7.87M to $19.9M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 284.6% | 199.9% to 406.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 2.3% | 0.2% to 94.6% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 84.5% | 57.1% to 104.7% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $1.75M | $5.45M to $62.6M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 76.2% | 51.6% to 82.8% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 135 loans (91.8%)
- SBA Express
- 7 loans
- Approval to first disbursement
- 21 days, median of 123
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| American Pride Bank | GA | $1.03B | $675M |
| Touchmark National Bank | GA | $417M | $313M |
| First American Bank and Trust Company | GA | $902M | $517M |
| First National Bank of Coffee County | GA | $547M | $208M |
| Oconee State Bank | GA | $744M | $412M |
| The Citizens Bank of Georgia | GA | $599M | $240M |
| American Commerce Bank, National Association | GA | $496M | $365M |
| First National Community Bank | GA | $755M | $416M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. PromiseOne Bank, FDIC certificate 58657. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $812M in total assets and $372M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 173 recorded loans from HMDA and SBA files, through September 30, 2026: 1 HMDA multifamily 2025, 1 HMDA multifamily 2024, 23 HMDA 1-4 unit investor 2025, 147 SBA 7(a) in 36 months, 1 SBA 504 first lien in 36 months. Each has its source and date. [How each file was tied to PromiseOne Bank]
- Phone and website. Phone 678-385-0800, from the lender's website on November 9, 2026. Website promiseone.bank, from the FDIC record. [How to reach them]
- Recorded mortgages, New York City. 12 recorded mortgages in New York City under this name. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 58657
- RSSD
- 3832127
- LEI
- 254900MY80V94K63ZY41
- The Lender Report ID
- lr_001822
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Atlanta-Sandy Springs-Alpharetta, GA
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $812.2M in total assets as of June 30, 2026 (FDIC call report).
- Held $372M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $241.9M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 16.6% from a year earlier (FDIC call report).
- Held $72.3M of owner-occupied commercial real estate loans as of June 30, 2026, up 6.8% from a year earlier (FDIC call report).
- Held $37.6M of commercial and industrial loans as of June 30, 2026, up 19.2% from a year earlier (FDIC call report).
- Originated 1 multifamily loan totaling $1.1M in 2025 (HMDA).
9 more sentences
- Originated 1 multifamily loan totaling $600K in 2024 (HMDA).
- Originated 23 1-4 unit investor or business-purpose loans totaling $8.3M in 2025 (HMDA).
- Recorded 166 SBA 7(a) approvals totaling $188.4M from October 1, 2023 to September 30, 2026, of which 19 were later cancelled (SBA).
- Provided the first lien on 1 SBA 504 project with $2.4M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 10 offices in 4 states (FDIC).
- Held 144 commercial and industrial loans that were $1 million or less when made, with a balance of $19.5M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 204 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $55.8M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $1.8M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Named as the lender on 12 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $17.5M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, PromiseOne Bank, https://lender.report/lender/promiseone-bank-ga/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem