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First National Bank of Decatur County

$100M-$1B Specialty: Commercial GA FDIC cert 57694

Bainbridge, GA

6 branches across GA · FL

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 +3.8% year over year ($330.8M on the books).
  • Delinquency rate 0.36%.
  • Return on assets 0.26%.
  • Efficiency ratio 89.31% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.23% 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 Decatur County has 1 strength 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

  • + Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 38.1% in tier
  • - Return on Assets 1.06% below tier average
  • - Efficiency Ratio 24.83% above tier average
  • - Net Interest Margin 0.40% below tier average
Get updates when First National Bank of Decatur 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 ? $359.6M
+4.8% YoY +3.0% QoQ
-$27.0M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $265.4M
+11.8% YoY +3.8% QoQ
+$7.1M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
61%
Total Deposits ? $330.8M
+3.8% YoY +2.4% QoQ
+$4.1M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 0.26%
+80.7% YoY -18.2% QoQ
-1.06% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Bottom 6.7% in tier
Net Interest Margin ? 3.59%
+10.8% YoY +2.2% QoQ
-0.40% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
32%
Efficiency Ratio ? 89.31%
-6.0% YoY +3.2% QoQ
+24.83% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
Bottom 6.1% in tier
Delinquency Rate ? 0.36%
-25.4% YoY -16.7% QoQ
-0.56% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
54%
Loan-to-Deposit Ratio ? 80.23%
+7.7% YoY +1.4% QoQ
+2.28% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
49%
Non-Interest-Bearing Deposit Share ? 16.63%
+3.7% YoY +5.4% QoQ
-5.40% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 0.35%
+5.1% YoY -29.6% QoQ
-0.32% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 9.98%
-1.5% YoY +0.7% QoQ
-5.93% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Bottom 10.4% in tier
Non-Interest Income / Assets ? 0.17%
+13.4% YoY +116.7% QoQ
-0.39% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
42%

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 16.6%
+0.6pp YoY
+0.9pp QoQ
 -5.5pp 22.1% 26.2% 22.2% 30%
Brokered Deposits 16.9%
-3.6pp YoY
-1.2pp QoQ
 +9.1pp 7.9% 7.5% 8.5% 88%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 6.4%
+0.3pp YoY
-0.2pp QoQ
 -5.2pp 11.6% 9.7% 12.5% 28%
CRE 38.5%
-0.7pp YoY
-0.2pp QoQ
 -1.0pp 39.5% 48.9% 41.4% 50%
1-4 Family 37.0%
-1.6pp YoY
-1.1pp QoQ
 +4.4pp 32.6% 31.7% 31.3% 65%
Consumer 2.6%
0.0pp YoY
-0.1pp QoQ
 -1.5pp 4.1% 4.8% 5.0% 55%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 10.0%
-0.2pp YoY
+0.1pp QoQ
 -8.8pp 18.8% 20.9% 19.7% 2%
Leverage Ratio 7.4%
-0.4pp YoY
-0.1pp QoQ
 -4.8pp 12.2% 14.0% 12.6% 1%
Total Capital Ratio 11.0%
-0.2pp YoY
+0.1pp QoQ
 -8.9pp 19.9% 22.1% 20.8% 2%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 62
+6 (+10.7%) YoY
+5 (+8.8%) QoQ
 +3 58 98 482 65%
Assets per Employee ($) $5.8M
-5.3% YoY
-5.3% QoQ
 -$1.7M $7.5M $7.5M $8.8M 29%
Branch Count 6
+1 (+20.0%) YoY
0 QoQ
 +1 4 6 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.4% 38%
Nonaccrual 0.3%
-0.2pp YoY
-0.1pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 39%
Allowance Coverage 2.60x
+24.7% YoY
+19.2% QoQ
 -21.55x 24.15x 38.10x 20.23x 55%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 4.2%
+1.8pp YoY
-1.0pp QoQ
 -8.0pp 12.2% 13.6% 11.6% 11%
Cost of Funds (YTD) 2.5%
-0.1pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.6% 1.7% 89%
Net Income ($, YTD) $474,000
+95.9% YoY
— QoQ
 -$2.1M $2.6M $6.6M $40.4M 10%

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 (1)

Capital Thin

risk
#253 of 661 • Bottom 38.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.98%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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 (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2483
Efficiency Ratio
profitability
Value: 89.31%
Peer Median: 64.48%
#2483 of 2643 Bottom 6.1% in $100M-$1B
2467
Return on Assets
profitability
Value: 0.26%
Peer Median: 1.32%
#2467 of 2643 Bottom 6.7% in $100M-$1B
2368
Tier 1 Capital Ratio
capital
Value: 9.98%
Peer Median: 15.91%
#2368 of 2643 Bottom 10.4% in $100M-$1B
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