FIRST NATIONAL COMMUNITY BANK

CHATSWORTH, GA | Medium | Est. Aug. 18, 1975, midnight | FDIC #22092 | RSSD #450632 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL COMMUNITY BANK is amn medium FDIC-insured commercial bank headquartered in CHATSWORTH, GA, established in Aug. 18, 1975, midnight. As of 2025-12-31, the bank reported total assets of $703M and total deposits of $605M. Profitability stands at 2.11% ROA and 15.86% ROE, with a net interest margin of 5.33%. The bank's CET1 capital ratio is 13.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.54% and a Texas Ratio of 2.62%. FDIC Certificate #22092.

Assets

$703M

Deposits

$605M

Loans

$496M

Equity

$95M

Profitability

Return on Assets (ROA) 2.11%
Return on Equity (ROE) 15.86%
Net Interest Margin (NIM) 5.33%
Yield on Assets 7.19%
Cost of Funds 1.99%

Asset Quality

NPL Ratio 0.54%
Net Charge-Off Ratio 0.47%
Texas Ratio 2.62%
NPA Ratio 0.38%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 13.48%
Tier 1 Capital 13.48%
Total Capital Ratio 14.15%
Leverage Ratio 13.06%
Loan-to-Deposit 82.03%

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