DOUGLAS NATIONAL BANK

DOUGLAS, GA | Small | Est. Nov. 19, 2001, midnight | FDIC #57230 | RSSD #3049635 | OCC
Latest Report: 2025-12-31

DOUGLAS NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in DOUGLAS, GA, established in Nov. 19, 2001, midnight. As of 2025-12-31, the bank reported total assets of $325M and total deposits of $292M. Profitability stands at 3.50% ROA and 35.52% ROE, with a net interest margin of 5.50%. The bank's CET1 capital ratio is 15.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 1.31%. FDIC Certificate #57230.

Assets

$325M

Deposits

$292M

Loans

$238M

Equity

$32M

Profitability

Return on Assets (ROA) 3.50%
Return on Equity (ROE) 35.52%
Net Interest Margin (NIM) 5.50%
Yield on Assets 6.93%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.31%
NPA Ratio 0.14%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 15.17%
Tier 1 Capital 15.17%
Total Capital Ratio 16.25%
Leverage Ratio 10.95%
Loan-to-Deposit 81.56%

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