BanksFOUR COUNTY BANK, THE

FOUR COUNTY BANK, THE

ALLENTOWN, GAMicroEst. Sept. 15, 1941, midnightFDIC #15904RSSD #7634FDIC
Latest · 2025-12-31

FOUR COUNTY BANK, THE is an FDIC-insured commercial bank headquartered in ALLENTOWN, GA, established in Sept. 15, 1941, midnight. As of 2025-12-31, the bank reported total assets of $92M and total deposits of $80M. Profitability stands at 1.86% ROA and 14.78% ROE, with a net interest margin of 4.90%. CET1 capital ratio: 12.77%, well above regulatory minimums. NPL ratio: 1.29% · Texas Ratio: 6.05%. Operates 1 domestic branch.

Assets
$92M
Deposits
$80M
Loans
$61M
Equity
$12M

Profitability

Return on Assets (ROA)1.86%
Return on Equity (ROE)14.78%
Net Interest Margin4.90%
Yield on Assets7.13%
Cost of Funds2.36%

Asset Quality

NPL Ratio1.29%
Net Charge-Off Ratio0.00%
Texas Ratio6.05%
NPA Ratio0.86%
ACL / Loans2.23%

Capital & Liquidity

CET1 Ratio12.77%
Tier 1 Capital12.77%
Total Capital Ratio13.41%
Leverage Ratio13.83%
Loan-to-Deposit77.18%

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