Douglas National Bank
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Data as of · sourced from FFIEC call reports. How we update
Douglas National Bank is an FDIC-insured commercial bank headquartered in Douglas, GA, established in 2001 (FDIC certificate 57230), and it is supervised by the OCC. At Q2 2026 it reported total assets of $326.9M, down 1.1% from Q2 2025, the 62nd largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 14.53% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57230
- Headquarters
- Douglas, GA
- Established
- 2001
- Total assets, Q2 2026
- $326.9M
- Assets vs Q2 2025
- -1.1%
- CET1 ratio, Q2 2026
- 14.53%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061120123
- Latest call report
- Q2 2026, FFIEC 051 · Douglas National Bank call report
- Holding company
- DNB FINANCIAL SERVICES, INC.
- Asset rank in state
- 62nd of 121 in Georgia
Douglas National Bank is one of the more profitable banks of its size. It reported $327 million in assets at June 30, 2026, down 1.1% from a year earlier. It earns about $3.47 a year on every $100 of assets, about triple the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 11.4% and deposits fell 2.3%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Douglas National Bank reported a CET1 capital ratio of 14.53%, a return on assets of 3.47%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.75%. The figures come from its call report filed with the FFIEC.
Douglas National Bank ranks as the 62nd largest of the 121 banks based in Georgia, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $326.9M, loans rose 4.1% and deposits fell 2.1%. 1-4 family residential loans made up 42.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 15.4%. The FDIC Summary of Deposits lists a single office for it, in Douglas, GA. On its Q2 2026 call report, Douglas National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 211 Ward St E, Douglas, GA 31533
- County
- Coffee
- Metro Area
- Douglas, GA
- 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
- —
- Call Report form
- FFIEC 051
- Established
- November 19, 2001
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $294.7M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $34K
- Average total assets
- $331.9M
- Average total loans
- $249.7M
- Average interest-bearing deposits
- $210.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 19, 2001
- FDIC Cert
- 57230
- Fed RSSD
- 3049635
- Website
- http://www.dnbdouglas.com →
- Parent Holding Company
- DNB FINANCIAL SERVICES, INC. (RSSD 3049626)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Douglas National Bank's total assets ranged from $277.6M (Q4 2023) to $354.8M (Q4 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$326.9M total assets against $330.7M; $295.0M total liabilities against $302.1M.
$249.7M net loans and leases against $224.1M; $294.7M total deposits against $301.7M.
$25.6M securities against $30.5M; $41.7M cash and balances due against $66.3M.
$5.2M total interest income against $5.1M; $1.1M total interest expense against $1.2M.
$4.1M net interest income against $4.0M.
$849K total noninterest income against $701K; $2.1M total noninterest expense against $1.9M.
$49K provision for credit losses against $50K.
$2.9M net income against $2.7M.
3.47% return on assets against 3.35%; 5.19% net interest margin against 5.04%.
14.53% CET1 capital ratio against 14.44%; 10.33% tier 1 leverage ratio against 9.68%.
Inside the full Douglas National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Douglas National Bank rankings
Its closest position to the top of a national ranking is 36 of 3,611, for ROA; its furthest is 2,825 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.97% (Q4 2024) to 3.51% (Q4 2025) and its net interest margin ran from 4.45% (Q4 2024) to 5.35% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.53% | 3.47% | 0.10% | 0.75% | 5.19% |
| Q1 2026 | 14.19% | 3.47% | 0.29% | 2.13% | 5.35% |
| Q4 2025 | 15.17% | 3.51% | 0.13% | 1.10% | 5.29% |
| Q3 2025 | 14.90% | 3.40% | 0.08% | 0.35% | 5.20% |
| Q2 2025 | 14.44% | 3.35% | 0.08% | 0.31% | 5.04% |
| Q1 2025 | 13.83% | 2.99% | 0.49% | 2.07% | 4.63% |
| Q4 2024 | 13.76% | 2.97% | 0.50% | 2.01% | 4.45% |
| Q3 2024 | 14.37% | 3.28% | 0.55% | 3.47% | 4.93% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Douglas National Bank (main office) | Douglas , GA | 31533 | $294.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 87 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.1M approved, $525K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Douglas National Bank
What are Douglas National Bank's total assets?
As of the Q2 2026 filing, Douglas National Bank reported total assets of $326.9 million in its FFIEC call report.
Where is Douglas National Bank headquartered?
It is headquartered in Douglas, GA, United States.
When was Douglas National Bank founded?
It was established in 2001, per the FDIC institution directory.
Is Douglas National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57230). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Douglas National Bank?
Douglas National Bank's primary federal regulator is the OCC.
What is Douglas National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Douglas National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Douglas National Bank's Texas Ratio?
Its Texas Ratio is 0.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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