FIRST NATIONAL BANK OF DECATUR COUNTY

BAINBRIDGE, GA | Small | Est. April 5, 2004, midnight | FDIC #57694 | RSSD #3232370 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF DECATUR COUNTY is asn small FDIC-insured commercial bank headquartered in BAINBRIDGE, GA, established in April 5, 2004, midnight. As of 2025-12-31, the bank reported total assets of $371M and total deposits of $345M. Profitability stands at 0.00% ROA and -0.02% ROE, with a net interest margin of 3.40%. The bank's CET1 capital ratio is 9.75%. Asset quality metrics show a non-performing loan ratio of 0.42% and a Texas Ratio of 5.98%. FDIC Certificate #57694.

Assets

$371M

Deposits

$345M

Loans

$249M

Equity

$22M

Profitability

Return on Assets (ROA) 0.00%
Return on Equity (ROE) -0.02%
Net Interest Margin (NIM) 3.40%
Yield on Assets 5.89%
Cost of Funds 2.45%

Asset Quality

NPL Ratio 0.42%
Net Charge-Off Ratio 0.09%
Texas Ratio 5.98%
NPA Ratio 0.40%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 9.75%
Tier 1 Capital 9.75%
Total Capital Ratio 10.71%
Leverage Ratio 7.46%
Loan-to-Deposit 72.27%

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