Advertisement
Queensborough National Bank & Trust Company
Louisville, GA · FDIC Certificate #2138 · Chartered 01/0
Total assets
$2.28B
Total deposits
$2.05B
Total equity
$179.60M
Net loans
$1.39B
Branches (offices)
25
Net income (YTD)
$12.47M
Rank: #545 of 4,213 U.S. banks by assets · #7 of 123 in Georgia. Assets changed 5.7% and deposits 6.2% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 13.71% |
| Net interest margin (YTD) | 3.91% |
| Equity to assets | 7.88% |
| Tier 1 leverage ratio | 8.64% |
| Uninsured deposits (share of deposits) | 41.0% |
| Noncurrent loans (share of loans) | 0.59% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 67.6% |
| Real estate loans (share of loans) | 86.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.20B | 86.8% | |
| Commercial & industrial | $102.44M | 7.4% | |
| Consumer / individual | $53.62M | 3.9% | |
| Construction & development | $138.31M | 10.0% | |
| Agricultural | $24.14M | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.98B | $1.85B | $9.26M | $130.84M |
| Jun 2023 | $1.92B | $1.76B | $9.05M | $144.26M |
| Jun 2024 | $2.05B | $1.82B | $8.54M | $159.46M |
| Jun 2025 | $2.16B | $1.93B | $10.93M | $180.64M |
| Jun 2026 | $2.28B | $2.05B | $12.47M | $179.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $2.05B | 25 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.05B.
Similar-sized banks
Builtwell Bank ($2.28B) · Golden Bank, National Association ($2.28B)
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