Bank Comparison
First National Bank of Griffin vs Georgia Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Griffin | Georgia Community Bank |
|---|---|---|
| CET1 Ratio | 17.24% | — |
| Tier 1 Capital Ratio | 17.24% | — |
| Total Capital Ratio | 18.22% | — |
| Tier 1 Leverage Ratio | 11.32% | 13.61% |
| Equity / Assets | 8.69% | 13.16% |
Profitability
| Metric | First National Bank of Griffin | Georgia Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.42% | 1.69% |
| Return on Equity (ROE) | 15.72% | 12.99% |
| Net Interest Margin (NIM) | 4.48% | 4.77% |
| Yield on Earning Assets | 5.03% | 6.23% |
| Cost of Funds | 0.57% | 1.61% |
Asset quality
| Metric | First National Bank of Griffin | Georgia Community Bank |
|---|---|---|
| Texas Ratio | 0.61% | 7.95% |
| Non-Performing Loan Ratio | 0.05% | 1.67% |
| Non-Performing Asset Ratio | 0.02% | 1.10% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.27% | 1.31% |
Balance sheet
| Metric | First National Bank of Griffin | Georgia Community Bank |
|---|---|---|
| Total Assets | $377,461K | $384,887K |
| Total Deposits | $328,052K | $331,508K |
| Total Loans | $184,259K | $249,894K |
| Total Equity | $32,812K | $50,665K |
| Net Income (quarter) | $1,289K | $1,646K |
Liquidity & funding
| Metric | First National Bank of Griffin | Georgia Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 56.17% | 75.38% |
| Core Deposit Ratio | 97.97% | 81.83% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Griffin | Georgia Community Bank |
|---|---|---|
| Headquarters City | GRIFFIN | ALBANY |
| Headquarters State | GA | GA |
| Asset Tier | Small | Small |
| Charter Class | 15572 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 8 |
| Employees (FTE) | 77 | 78 |
| Established | May 12, 1933, midnight | Aug. 31, 1999, 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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