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The Four County Bank
Allentown, GA · FDIC Certificate #15904 · Chartered 09/1
Total assets
$87.12M
Total deposits
$75.42M
Total equity
$11.28M
Net loans
$58.49M
Branches (offices)
1
Net income (YTD)
$868.00K
Rank: #3,775 of 4,213 U.S. banks by assets · #112 of 123 in Georgia. Assets changed -2.0% and deposits -3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.94% |
| Return on equity | 15.41% |
| Net interest margin (YTD) | 4.77% |
| Equity to assets | 12.95% |
| Tier 1 leverage ratio | 13.83% |
| Uninsured deposits (share of deposits) | 9.7% |
| Noncurrent loans (share of loans) | 0.68% |
| Net charge-offs (share of loans) | 0.46% |
| Loans to deposits | 77.5% |
| Real estate loans (share of loans) | 55.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $32.28M | 55.2% | |
| Commercial & industrial | $8.24M | 14.1% | |
| Consumer / individual | $12.91M | 22.1% | |
| Construction & development | $2.82M | 4.8% | |
| Agricultural | $6.17M | 10.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $87.14M | $77.62M | $643.00K | $9.37M |
| Jun 2023 | $89.10M | $79.48M | $792.00K | $9.25M |
| Jun 2024 | $86.64M | $76.44M | $739.00K | $9.74M |
| Jun 2025 | $88.89M | $77.82M | $818.00K | $10.61M |
| Jun 2026 | $87.12M | $75.42M | $868.00K | $11.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $75.42M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $75.42M.
Similar-sized banks
Bank Of Eufaula ($87.12M) · North Cambridge Co-Operative Bank ($87.08M)
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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