Queensborough National Bank & Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Queensborough National Bank & Trust Company operates with a thinner capital cushion than most banks of its size. It reported $2.3 billion in assets at June 30, 2026, up 5.7% from a year earlier. It funds 8.64% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). On the other hand, it pays an average of 1.57% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.01%).
Net income for the quarter rose 15% from a year earlier, to $6.4 million. Over the same year, loans grew 10.4% and deposits grew 6.2%.
As of June 30, 2026, Queensborough National Bank & Trust Company reported a CET1 capital ratio of 12.36%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 4.28%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 113 E Broad St, Louisville, GA 30434
- County
- Jefferson
- 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 041
- Established
- January 1, 1902
- Former names
- The First National Bank & Trust Company (1988-2006)
- Offices
- 25 domestic
- Employees (FTE)
- 396
- Domestic deposits
- $2.05B
- Allowance for credit losses
- $14.0M
- Net charge-offs (YTD)
- $296K
- Average total assets
- $2.30B
- Average total loans
- $1.38B
- Average interest-bearing deposits
- $1.27B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2138
- Fed RSSD
- 960935
- SEC CIK
- 768157 → filed by QUEENSBOROUGH COMPANY, THE
- Website
- www.qnbtrust.bank →
- Parent Holding Company
- QUEENSBOROUGH COMPANY, THE (RSSD 1130904)
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 Queensborough National Bank & Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Queensborough National Bank & Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Queensborough National Bank & Trust Company 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 | 12.36% | 1.11% | 0.34% | 4.28% | 3.90% |
| Q1 2026 | 13.18% | 1.08% | 0.16% | 3.20% | 3.83% |
| Q4 2025 | 13.05% | 1.05% | 0.33% | 4.15% | 3.73% |
| Q3 2025 | 13.88% | 1.14% | 0.16% | 2.82% | 3.79% |
| Q2 2025 | 13.59% | 1.04% | 0.35% | 4.53% | 3.79% |
| Q1 2025 | 13.78% | 0.99% | 0.80% | 5.66% | 3.44% |
| Q4 2024 | 13.52% | 0.95% | 0.63% | 6.10% | 3.42% |
| Q3 2024 | 14.00% | 0.76% | 0.63% | 4.67% | 3.23% |
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 25 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Walton Way Branch | Augusta , GA | 30909 | $616.2M |
| Waynesboro Branch | Waynesboro , GA | 30830 | $149.8M |
| Queensborough National Bank & Trust Company (main office) | Louisville , GA | 30434 | $134.0M |
| Augusta Branch | Martinez , GA | 30907 | $112.8M |
| Grovetown Branch | Grovetown , GA | 30813 | $96.2M |
| ThomsonWest Hill Branch | Thomson , GA | 30824 | $85.9M |
| Fury's Ferry Branch | Martinez , GA | 30907 | $74.4M |
| Swainsboro Division Branch | Swainsboro , GA | 30401 | $74.0M |
| Savannah Branch | Savannah , GA | 31406 | $65.0M |
| Enterprise Mill Branch | Augusta , GA | 30901 | $63.8M |
| Evans Branch | Evans , GA | 30809 | $63.6M |
| Tobacco Road Branch | Hephzibah , GA | 30815 | $56.3M |
| Sandersville Branch | Sandersville , GA | 31082 | $55.6M |
| MillenWinthrope Branch | Millen , GA | 30442 | $55.0M |
| Pooler Branch | Pooler , GA | 31322 | $49.6M |
| Rincon Branch | Rincon , GA | 31326 | $45.9M |
| Wadley Branch | Wadley , GA | 30477 | $44.6M |
| Statesboro Branch | Statesboro , GA | 30458 | $42.9M |
| Metter Branch | Metter , GA | 30439 | $39.7M |
| Main Street Branch | Wrens , GA | 30833 | $38.9M |
| Sylvania Branch | Sylvania , GA | 30467 | $37.5M |
| Savannah Branch | Savannah , GA | 31408 | $33.9M |
| Hinesville Branch | Hinesville , GA | 31313 | $9.6M |
| Jones Branch | Midville , GA | 30441 | $7.3M |
| U.S. 1 By-Pass Branch | Louisville , GA | 30434 | $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 |
|---|---|---|---|
| March 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1999 | Structure Change | Acquired Bank of Wadley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1986 | Structure Change | Acquired Bank of Midville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Queensborough National Bank & Trust Company, 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
- 1 against the institution (OCC)
- December 8, 2010, OCC: Formal Agreement: Queensborough National Bank & Trust Company
- Period: Most recent institution action December 8, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in GA, rank 21 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 530 applications, 419 loans originated, $153.4M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.1M approved, $566K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Queensborough National Bank & Trust Company
What are Queensborough National Bank & Trust Company's total assets?
As of the Q2 2026 filing, Queensborough National Bank & Trust Company reported total assets of $2.28 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Queensborough National Bank & Trust Company headquartered?
Queensborough National Bank & Trust Company is headquartered in Louisville, GA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Queensborough National Bank & Trust Company founded?
Queensborough National Bank & Trust Company was established in 1902, per the FDIC institution directory.
Is Queensborough National Bank & Trust Company FDIC-insured?
Yes. Queensborough National Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #2138). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Queensborough National Bank & Trust Company?
Queensborough National Bank & Trust Company'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 Queensborough National Bank & Trust Company's CET1 capital ratio?
Queensborough National Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.36% in its Q2 2026 call report, above regulatory requirements.
How many branches does Queensborough National Bank & Trust Company operate?
Queensborough National Bank & Trust Company operates 25 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Queensborough National Bank & Trust Company's Texas Ratio?
Queensborough National Bank & Trust Company's Texas Ratio is 4.28% 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.
What was Queensborough National Bank & Trust Company previously called?
The charter now named Queensborough National Bank & Trust Company has also operated as The First National Bank & Trust Company (1988-2006), per FDIC structure-change records.
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