First National Bank of Coffee County
Also written as FNB of Coffee County
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Coffee County is an FDIC-insured commercial bank headquartered in Douglas, GA, established in 1991 (FDIC certificate 33506), and it is supervised by the OCC. At Q2 2026 it reported total assets of $547.5M, up 8.8% from Q2 2025, the 34th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 17.70% 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
- 33506
- Headquarters
- Douglas, GA
- Established
- 1991
- Total assets, Q2 2026
- $547.5M
- Assets vs Q2 2025
- +8.8%
- CET1 ratio, Q2 2026
- 17.70%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 061204735
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Coffee County call report
- Holding company
- FNC BANCORP, INC.
- Asset rank in state
- 34th of 121 in Georgia
First National Bank of Coffee County operates with a thinner capital cushion than most banks of its size. It reported $547 million in assets at June 30, 2026, up 8.8% from a year earlier. It funds 8.85% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Delinquency has appeared in its $30 million commercial and industrial book: 2.24% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 12.6% and deposits rose 9.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, First National Bank of Coffee County reported a CET1 capital ratio of 17.70%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 0.34%. The figures come from its call report filed with the FFIEC.
First National Bank of Coffee County ranks as the 34th 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 0.7% to $547.5M, loans rose 10.2% and deposits fell 1.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 30.9% of total loans, followed by 1-4 family residential loans at 24.8%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Douglas office books 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank of Coffee County meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 420 Madison Ave S, 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
- September 23, 1991
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $494.7M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $548.9M
- Average total loans
- $269.5M
- Average interest-bearing deposits
- $363.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 23, 1991
- FDIC Cert
- 33506
- Fed RSSD
- 1892154
- SEC CIK
- 868573 → filed by FNC BANCORP, INC.
- Website
- www.fnbcc.com →
- Parent Holding Company
- FNC BANCORP, INC. (RSSD 3069633)
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 National Bank of Coffee County's total assets ran between $439.2M (Q3 2023) and $551.6M (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
$547.5M total assets against $503.1M; $500.8M total liabilities against $459.1M.
$278.7M net loans and leases against $247.5M; $494.7M total deposits against $453.7M.
$170.7M securities against $143.2M; $79.1M cash and balances due against $93.6M.
$7.1M total interest income against $6.5M; $2.0M total interest expense against $2.1M.
$5.1M net interest income against $4.4M.
$689K total noninterest income against $707K; $3.7M total noninterest expense against $2.7M.
$132K provision for credit losses against $132K.
$2.0M net income against $2.2M.
1.45% return on assets against 1.79%; 3.86% net interest margin against 3.65%.
17.70% CET1 capital ratio against 18.82%; 8.85% tier 1 leverage ratio against 9.00%.
Inside the full First National Bank of Coffee County 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.
First National Bank of Coffee County rankings
Its closest position to the top of a national ranking is 508 of 2,134, for CET1 ratio; its furthest is 3,065 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.06% (Q3 2024) to 1.79% (Q2 2025) and its net interest margin ran from 3.36% (Q3 2024) to 3.86% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.70% | 1.45% | 0.24% | 0.34% | 3.86% |
| Q1 2026 | 19.00% | 1.37% | 0.26% | 0.34% | 3.68% |
| Q4 2025 | 20.99% | 1.41% | 0.00% | 0.00% | 3.80% |
| Q3 2025 | 20.17% | 1.47% | 0.00% | 0.01% | 3.69% |
| Q2 2025 | 18.82% | 1.79% | 0.00% | 0.01% | 3.65% |
| Q1 2025 | 18.02% | 1.42% | 0.00% | 0.00% | 3.48% |
| Q4 2024 | 17.97% | 1.43% | 0.00% | 0.00% | 3.55% |
| Q3 2024 | 17.19% | 1.06% | 0.04% | 0.21% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| First National Bank of Coffee County (main office) | Douglas , GA | 31533 | $257.4M |
| Fnb Cc Coral Ridge Branch | Fort Lauderdale , FL | 33306 | $89.0M |
| Fnb Cc Boca Raton Branch | Boca Raton , FL | 33431 | $56.5M |
| First National Bank Coastal Community Branch | Wellington , FL | 33414 | $52.8M |
| Fnb Cc Pga Branch | North Palm Beach , FL | 33408 | $39.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action May 16, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 96 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 7 loans, $4.0M approved, $575K 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
- 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 First National Bank of Coffee County
What are First National Bank of Coffee County's total assets?
As of the Q2 2026 filing, First National Bank of Coffee County reported total assets of $547.5 million in its FFIEC call report.
Where is First National Bank of Coffee County headquartered?
It is headquartered in Douglas, GA, United States.
When was First National Bank of Coffee County founded?
It was established in 1991, per the FDIC institution directory.
Is First National Bank of Coffee County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Coffee County?
First National Bank of Coffee County's primary federal regulator is the OCC.
What is First National Bank of Coffee County's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.70% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank of Coffee County operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Coffee County's Texas Ratio?
Its Texas Ratio is 0.34% 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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