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First National Bank Of Coffee County
Douglas, GA · FDIC Certificate #33506 · Chartered 09/2
Total assets
$547.47M
Total deposits
$494.67M
Total equity
$46.66M
Net loans
$278.69M
Branches (offices)
5
Net income (YTD)
$3.81M
Rank: #1,677 of 4,213 U.S. banks by assets · #34 of 123 in Georgia. Assets changed 8.8% and deposits 9.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.41% |
| Return on equity | 16.27% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 8.52% |
| Tier 1 leverage ratio | 8.85% |
| Uninsured deposits (share of deposits) | 43.2% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 56.3% |
| Real estate loans (share of loans) | 89.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $248.11M | 89.0% | |
| Commercial & industrial | $30.20M | 10.8% | |
| Consumer / individual | $4.46M | 1.6% | |
| Construction & development | $15.92M | 5.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $428.10M | $392.10M | $1.38M | $32.10M |
| Jun 2023 | $426.46M | $385.50M | $2.81M | $36.38M |
| Jun 2024 | $485.01M | $441.27M | $2.58M | $39.22M |
| Jun 2025 | $503.13M | $453.66M | $4.07M | $44.04M |
| Jun 2026 | $547.47M | $494.67M | $3.81M | $46.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $257.36M | 1 |
| Florida | $237.31M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $494.67M.
Similar-sized banks
The Farmers Bank Of Willards ($547.65M) · First State Bank And Trust Company ($547.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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