First Bank of Pike
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Data as of · sourced from FFIEC call reports. How we update
First Bank of Pike is an FDIC-insured commercial bank headquartered in Zebulon, GA, established in 1899 (FDIC certificate 9070), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $87.5M, up 4.6% from Q2 2025, the 109th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 16.57% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9070
- Headquarters
- Zebulon, GA
- Established
- 1899
- Total assets, Q2 2026
- $87.5M
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 16.57%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 061106655
- Latest call report
- Q2 2026, FFIEC 051 · First Bank of Pike call report
- Asset rank in state
- 109th of 121 in Georgia
First Bank of Pike earns an unusually wide margin on its lending. It reported $87 million in assets at June 30, 2026, up 4.6% from a year earlier. It keeps 5.58 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it holds commercial real estate loans worth 1.3 times its capital, 5.0 times the median of 26% for banks its size.
The non-owner-occupied commercial real estate book ($7.9 million) is worsening: 8.27% of it is past due or on nonaccrual, up from 0.55% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.79% of loans, down from 1.19% a year earlier. Where it has less room is capital: it funds 9.91% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, First Bank of Pike reported a CET1 capital ratio of 16.57%, a return on assets of 1.30%, a nonperforming-loan ratio of 0.79% and a Texas ratio of 4.60%. The figures come from its call report filed with the FFIEC.
First Bank of Pike ranks as the 109th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.6% to $87.5M, loans fell 0.4% and deposits fell 3.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 42.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 14.4%. The FDIC Summary of Deposits lists 3 offices for it, in Zebulon, GA and Molena, GA; its Zebulon 2 offices book 58% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Bank of Pike meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 15 Jackson St, Zebulon, GA 30295
- County
- Pike
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1899
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $77.8M
- Allowance for credit losses
- $889K
- Net charge-offs (YTD)
- $30K
- Average total assets
- $88.5M
- Average total loans
- $54.8M
- Average interest-bearing deposits
- $52.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9070
- Fed RSSD
- 760939
- Website
- www.firstbankofpike.com →
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
Over the 12 quarters to Q2 2026, First Bank of Pike's total assets ran between $71.3M (Q4 2023) and $89.9M (Q1 2026), 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
$87.5M total assets against $83.6M; $79.0M total liabilities against $76.1M.
$53.9M net loans and leases against $52.7M; $77.8M total deposits against $75.0M.
$10.8M securities against $9.8M; $18.2M cash and balances due against $16.5M.
$1.4M total interest income against $1.4M; $231K total interest expense against $222K.
$1.2M net interest income against $1.1M.
$284K total noninterest income against $284K; $1.1M total noninterest expense against $1.0M.
$25K provision for credit losses against $60K.
$288K net income against $274K.
1.30% return on assets against 1.37%; 5.58% net interest margin against 5.94%.
16.57% CET1 capital ratio against 15.30%; 9.91% tier 1 leverage ratio against 9.91%.
Inside the full First Bank of Pike terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q4 2025) to 1.37% (Q2 2025) and its net interest margin ran from 5.29% (Q1 2026) to 5.94% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.57% | 1.30% | 0.79% | 4.60% | 5.58% |
| Q1 2026 | 14.97% | 1.23% | 1.06% | 6.39% | 5.29% |
| Q4 2025 | 15.13% | 0.87% | 1.23% | 7.61% | 5.77% |
| Q3 2025 | 15.01% | 1.16% | 1.22% | 7.51% | 5.53% |
| Q2 2025 | 15.30% | 1.37% | 1.19% | 7.73% | 5.94% |
| Q1 2025 | 14.93% | 0.96% | 1.21% | 8.12% | 5.87% |
| Q4 2024 | 16.20% | 0.88% | 1.35% | 8.61% | 5.85% |
| Q3 2024 | 15.88% | 0.89% | 1.19% | 7.82% | 5.87% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 |
|---|---|---|---|
| Zebulon Branch | Zebulon , GA | 30295 | $45.3M |
| Molena Branch | Molena , GA | 30258 | $32.5M |
| First Bank of Pike (main office) | Zebulon , GA | 30295 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 155 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 First Bank of Pike
What are First Bank of Pike's total assets?
As of the Q2 2026 filing, First Bank of Pike reported total assets of $87.5 million in its FFIEC call report.
Where is First Bank of Pike headquartered?
It is headquartered in Zebulon, GA, United States.
When was First Bank of Pike founded?
It was established in 1899, per the FDIC institution directory.
Is First Bank of Pike FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9070). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank of Pike?
First Bank of Pike's primary federal regulator is the FDIC.
What is First Bank of Pike's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank of Pike operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank of Pike's Texas Ratio?
Its Texas Ratio is 4.60% 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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