BanksFIRST NATIONAL BANK OF GRIFFIN

FIRST NATIONAL BANK OF GRIFFIN

GRIFFIN, GASmallEst. May 12, 1933, midnightFDIC #169RSSD #563233OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF GRIFFIN is an 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%. CET1 capital ratio: 17.33%, well above regulatory minimums. NPL ratio: 0.05% · Texas Ratio: 0.27%. Operates 6 domestic branches.

Assets
$366M
Deposits
$317M
Loans
$180M
Equity
$33M

Profitability

Return on Assets (ROA)1.52%
Return on Equity (ROE)17.29%
Net Interest Margin4.78%
Yield on Assets5.38%
Cost of Funds0.63%

Asset Quality

NPL Ratio0.05%
Net Charge-Off Ratio0.01%
Texas Ratio0.27%
NPA Ratio0.03%
ACL / Loans1.21%

Capital & Liquidity

CET1 Ratio17.33%
Tier 1 Capital17.33%
Total Capital Ratio18.26%
Leverage Ratio11.13%
Loan-to-Deposit56.71%

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