First National Bank of Griffin: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Griffin, based in Griffin, Georgia, reported $368 million in assets at June 30, 2026. It pays an average of 0.56% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 17.3% over the year, about triple the median of 5.5% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 17.3% and deposits fell 0.5%. Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 27% of Tier 1 capital, down from 35% a year earlier. One more trend to watch: net income for the quarter slipped 12% from a year earlier, to $1.4 million.
As of June 30, 2026, First National Bank of Griffin reported a CET1 capital ratio of 17.70%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.22%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 318 S Hill St, Griffin, GA 30224
- County
- Spalding
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 12, 1933
- Offices
- 6 domestic
- Employees (FTE)
- 81
- Domestic deposits
- $321.3M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $368.3M
- Average total loans
- $185.2M
- Average interest-bearing deposits
- $205.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 169
- Fed RSSD
- 563233
- Website
- www.fnbgriffin.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First National Bank of Griffin terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First National Bank of Griffin, freeFirst National Bank of Griffin rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.70% | 1.53% | 0.04% | 0.22% | 4.56% |
| Q1 2026 | 17.24% | 1.42% | 0.05% | 0.61% | 4.48% |
| Q4 2025 | 17.33% | 1.53% | 0.05% | 0.63% | 4.57% |
| Q3 2025 | 17.50% | 1.60% | 0.06% | 0.68% | 4.71% |
| Q2 2025 | 18.08% | 1.75% | 0.08% | 0.68% | 4.41% |
| Q1 2025 | 18.66% | 1.77% | 0.10% | 0.77% | 4.15% |
| Q4 2024 | 17.38% | 1.38% | 0.12% | 1.00% | 4.35% |
| Q3 2024 | 17.73% | 1.42% | 0.16% | 1.17% | 4.41% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank of Griffin (main office) | Griffin , GA | 30224 | $173.3M |
| Northside Branch | Griffin , GA | 30223 | $54.7M |
| Southside Branch | Griffin , GA | 30224 | $37.0M |
| Hampton Branch | Hampton , GA | 30228 | $35.9M |
| Heron Bay Branch | Locust Grove , GA | 30248 | $20.3M |
| Griffin Crossings Annex | Griffin , GA | 30223 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2002 | Structure Change | Acquired American Community Bank of Georgia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First National Bank of Griffin, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC); 1 against individuals associated with it
- November 10, 2009, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank of Griffin
- October 14, 2008, OCC: Formal Agreement: First National Bank of Griffin
- Period: Most recent institution action November 10, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 80 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $195K approved, $195K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First National Bank of Griffin
What are First National Bank of Griffin's total assets?
As of the Q2 2026 filing, First National Bank of Griffin reported total assets of $368.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of Griffin headquartered?
First National Bank of Griffin is headquartered in Griffin, GA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First National Bank of Griffin founded?
First National Bank of Griffin was established in 1933, per the FDIC institution directory.
Is First National Bank of Griffin FDIC-insured?
Yes. First National Bank of Griffin is an FDIC-insured commercial bank (FDIC Certificate #169). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Griffin?
First National Bank of Griffin's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank of Griffin's CET1 capital ratio?
First National Bank of Griffin reported a Common Equity Tier 1 (CET1) capital ratio of 17.70% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank of Griffin operate?
First National Bank of Griffin operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Griffin's Texas Ratio?
First National Bank of Griffin's Texas Ratio is 0.22% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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