Bank Comparison
Rabun County Bank vs Flint Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Rabun County Bank | Flint Community Bank |
|---|---|---|
| CET1 Ratio | — | 12.49% |
| Tier 1 Capital Ratio | — | 12.49% |
| Total Capital Ratio | — | 13.75% |
| Tier 1 Leverage Ratio | 10.58% | 9.36% |
| Equity / Assets | 10.45% | 8.96% |
Profitability
| Metric | Rabun County Bank | Flint Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.33% | 2.05% |
| Return on Equity (ROE) | 12.81% | 22.01% |
| Net Interest Margin (NIM) | 3.90% | 4.46% |
| Yield on Earning Assets | 5.55% | 6.08% |
| Cost of Funds | 1.75% | 1.70% |
Asset quality
| Metric | Rabun County Bank | Flint Community Bank |
|---|---|---|
| Texas Ratio | 3.13% | 20.38% |
| Non-Performing Loan Ratio | 0.39% | 2.57% |
| Non-Performing Asset Ratio | 0.34% | 2.04% |
| Net Charge-Off Ratio | -0.01% | 0.11% |
| ACL / Loans | 1.44% | 1.34% |
Balance sheet
| Metric | Rabun County Bank | Flint Community Bank |
|---|---|---|
| Total Assets | $364,186K | $351,829K |
| Total Deposits | $323,661K | $303,900K |
| Total Loans | $218,872K | $279,758K |
| Total Equity | $38,049K | $31,525K |
| Net Income (quarter) | $1,200K | $1,724K |
Liquidity & funding
| Metric | Rabun County Bank | Flint Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 67.62% | 92.06% |
| Core Deposit Ratio | 89.91% | 93.98% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Rabun County Bank | Flint Community Bank |
|---|---|---|
| Headquarters City | CLAYTON | ALBANY |
| Headquarters State | GA | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 48 | 37 |
| Established | Oct. 10, 1975, 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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