Advertisement
First National Bank Of Decatur County
Bainbridge, GA · FDIC Certificate #57694 · Chartered 04/0
Total assets
$359.56M
Total deposits
$330.84M
Total equity
$22.71M
Net loans
$265.44M
Branches (offices)
6
Net income (YTD)
$474.00K
Rank: #2,201 of 4,213 U.S. banks by assets · #58 of 123 in Georgia. Assets changed 4.8% and deposits 3.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.26% |
| Return on equity | 4.20% |
| Net interest margin (YTD) | 3.59% |
| Equity to assets | 6.32% |
| Tier 1 leverage ratio | 7.42% |
| Uninsured deposits (share of deposits) | 21.8% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 80.2% |
| Real estate loans (share of loans) | 79.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $210.22M | 79.2% | |
| Commercial & industrial | $16.96M | 6.4% | |
| Consumer / individual | $7.02M | 2.6% | |
| Construction & development | $23.51M | 8.9% | |
| Agricultural | $5.00M | 1.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $301.07M | $277.15M | $750.00K | $20.19M |
| Jun 2023 | $310.52M | $285.26M | $710.00K | $20.04M |
| Jun 2024 | $305.20M | $283.30M | -$488.00K | $19.69M |
| Jun 2025 | $342.94M | $318.63M | $242.00K | $20.62M |
| Jun 2026 | $359.56M | $330.84M | $474.00K | $22.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $319.21M | 5 |
| Florida | $11.64M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $330.84M.
Similar-sized banks
Bankokolona ($359.59M) · Infinity Bank ($359.51M)
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.
Advertisement