FIRST NATIONAL BANK OF GRIFFIN

GRIFFIN, GA | Small | Est. May 12, 1933, midnight | FDIC #169 | RSSD #563233 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF GRIFFIN is asn small FDIC-insured commercial bank headquartered in GRIFFIN, GA, established in May 12, 1933, midnight. As of 2025-12-31, the bank reported total assets of $366M and total deposits of $317M. Profitability stands at 1.52% ROA and 17.29% ROE, with a net interest margin of 4.78%. The bank's CET1 capital ratio is 17.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.27%. FDIC Certificate #169.

Assets

$366M

Deposits

$317M

Loans

$180M

Equity

$33M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 17.29%
Net Interest Margin (NIM) 4.78%
Yield on Assets 5.38%
Cost of Funds 0.63%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.27%
NPA Ratio 0.03%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 17.33%
Tier 1 Capital 17.33%
Total Capital Ratio 18.26%
Leverage Ratio 11.13%
Loan-to-Deposit 56.71%

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