Bank Comparison
First National Bank of Decatur County vs Flint Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank of Decatur County | Flint Community Bank |
|---|---|---|
| CET1 Ratio | 9.91% | 12.49% |
| Tier 1 Capital Ratio | 9.91% | 12.49% |
| Total Capital Ratio | 10.86% | 13.75% |
| Tier 1 Leverage Ratio | 7.49% | 9.36% |
| Equity / Assets | 6.45% | 8.96% |
Profitability
| Metric | First National Bank of Decatur County | Flint Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.33% | 2.05% |
| Return on Equity (ROE) | 5.16% | 22.01% |
| Net Interest Margin (NIM) | 3.60% | 4.46% |
| Yield on Earning Assets | 6.01% | 6.08% |
| Cost of Funds | 2.37% | 1.70% |
Asset quality
| Metric | First National Bank of Decatur County | Flint Community Bank |
|---|---|---|
| Texas Ratio | 7.06% | 20.38% |
| Non-Performing Loan Ratio | 0.42% | 2.57% |
| Non-Performing Asset Ratio | 0.49% | 2.04% |
| Net Charge-Off Ratio | 0.08% | 0.11% |
| ACL / Loans | 0.93% | 1.34% |
Balance sheet
| Metric | First National Bank of Decatur County | Flint Community Bank |
|---|---|---|
| Total Assets | $349,174K | $351,829K |
| Total Deposits | $323,168K | $303,900K |
| Total Loans | $258,075K | $279,758K |
| Total Equity | $22,527K | $31,525K |
| Net Income (quarter) | $290 | $1,724K |
Liquidity & funding
| Metric | First National Bank of Decatur County | Flint Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.86% | 92.06% |
| Core Deposit Ratio | 90.56% | 93.98% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Decatur County | Flint Community Bank |
|---|---|---|
| Headquarters City | BAINBRIDGE | ALBANY |
| Headquarters State | GA | GA |
| Asset Tier | Small | Small |
| Charter Class | 24458 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 2 |
| Employees (FTE) | 57 | 37 |
| Established | April 5, 2004, midnight | Feb. 3, 2006, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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