FLINT COMMUNITY BANK

ALBANY, GA | Small | Est. Feb. 3, 2006, midnight | FDIC #58074 | RSSD #3341393 | FDIC
Latest Report: 2025-12-31

FLINT COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in ALBANY, GA, established in Feb. 3, 2006, midnight. As of 2025-12-31, the bank reported total assets of $332M and total deposits of $282M. Profitability stands at 2.18% ROA and 23.58% ROE, with a net interest margin of 4.85%. The bank's CET1 capital ratio is 12.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.83% and a Texas Ratio of 14.74%. FDIC Certificate #58074.

Assets

$332M

Deposits

$282M

Loans

$280M

Equity

$31M

Profitability

Return on Assets (ROA) 2.18%
Return on Equity (ROE) 23.58%
Net Interest Margin (NIM) 4.85%
Yield on Assets 6.75%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 1.83%
Net Charge-Off Ratio 0.01%
Texas Ratio 14.74%
NPA Ratio 1.55%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 12.30%
Tier 1 Capital 12.30%
Total Capital Ratio 13.55%
Leverage Ratio 9.24%
Loan-to-Deposit 99.24%

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