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First National Bank of Coffee County

$100M-$1B Specialty: Commercial GA FDIC cert 33506

Douglas, GA

5 branches across FL · GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +9.0% year over year ($494.7M on the books).
  • Delinquency rate 0.24%.
  • Return on assets 1.41%.
  • Efficiency ratio 63.43% vs a 64.48% peer average.
  • Loan-to-deposit ratio 56.34% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

First National Bank of Coffee County has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.09% above tier average
  • + Efficiency Ratio 1.05% below tier average
  • + Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 34.5% in tier
  • - Cost Spiral: Bottom 50.7% in tier
  • - Margin Compression: Bottom 62.9% in tier
  • - Net Interest Margin 0.14% below tier average
Get updates when First National Bank of Coffee County releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $547.5M
+8.8% YoY -0.7% QoQ
+$160.9M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
76%
Total Loans ? $278.7M
+12.6% YoY +10.3% QoQ
+$20.3M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
63%
Total Deposits ? $494.7M
+9.0% YoY -1.3% QoQ
+$167.9M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
79%
Return on Assets ? 1.41%
-12.5% YoY +3.4% QoQ
+0.09% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 3.84%
+5.4% YoY +3.5% QoQ
-0.14% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 63.43%
+12.8% YoY -0.5% QoQ
-1.05% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 0.24%
-9.1% QoQ
-0.68% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
62%
Loan-to-Deposit Ratio ? 56.34%
+3.3% YoY +11.7% QoQ
-21.61% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
Top 13.7% in tier
Non-Interest-Bearing Deposit Share ? 27.04%
-3.6% YoY +2.2% QoQ
+5.01% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
73%
Nonperforming Asset Ratio ? 0.12%
+1.0% QoQ
-0.55% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 17.70%
-5.9% YoY -6.8% QoQ
+1.80% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.26%
+6.2% YoY +93.7% QoQ
-0.30% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
66%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 27.0%
-1.0pp YoY
+0.6pp QoQ
 +4.9pp 22.1% 26.2% 22.2% 73%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 10.8%
-1.6pp YoY
-1.0pp QoQ
 -0.7pp 11.6% 9.7% 12.5% 58%
CRE 59.5%
+3.3pp YoY
+1.5pp QoQ
 +19.9pp 39.5% 48.9% 41.4% 84%
1-4 Family 25.1%
+0.3pp YoY
+0.3pp QoQ
 -7.5pp 32.6% 31.7% 31.3% 41%
Consumer 1.6%
-0.4pp YoY
-0.1pp QoQ
 -2.5pp 4.1% 4.8% 5.0% 41%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 17.7%
-1.1pp YoY
-1.3pp QoQ
 -1.1pp 18.8% 20.9% 19.7% 68%
Leverage Ratio 8.8%
-0.1pp YoY
+0.1pp QoQ
 -3.3pp 12.2% 14.0% 12.6% 10%
Total Capital Ratio 19.0%
-1.1pp YoY
-1.3pp QoQ
 -1.0pp 19.9% 22.1% 20.8% 68%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 67
+7 (+11.7%) YoY
0 QoQ
 +8 58 98 482 68%
Assets per Employee ($) $8.2M
-2.6% YoY
-0.7% QoQ
 +$653K $7.5M $7.5M $8.8M 70%
Branch Count 5
0 YoY
0 QoQ
 0 4 6 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.2%
+0.2pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 33%
Allowance Coverage 5.73x
-99.1% YoY
+3.3% QoQ
 -18.42x 24.15x 38.10x 20.23x 73%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 16.3%
-2.9pp YoY
+0.7pp QoQ
 +4.1pp 12.2% 13.6% 11.6% 74%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 39%
Net Income ($, YTD) $3.8M
-6.2% YoY
— QoQ
 +$1.3M $2.6M $6.6M $40.4M 79%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk
#435 of 1256 • Bottom 34.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.24%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Cost Spiral

risk
#71 of 138 • Bottom 50.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 63.43%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Margin Compression

decline
#194 of 307 • Bottom 62.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.41%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

362
Loan-to-Deposit Ratio
liquidity
Value: 56.34%
Peer Median: 77.95%
#362 of 2643 Top 13.7% in $100M-$1B
530
Tier 1 Capital Ratio
capital
Value: 17.70%
Peer Median: 15.91%
#530 of 2643 Top 20.0% in $100M-$1B
552
Total Deposits
size
Value: $494.67M
Peer Median: $326.73M
#552 of 2643 Top 20.8% in $100M-$1B
637
Total Assets
size
Value: $547.47M
Peer Median: $386.57M
#637 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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