First National Bank of Coffee County: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8.44 percentage points higher than in Q1 2026, at 253.89%. First National Bank of Coffee County ranks 74th of 121 Georgia banks on return on assets, in the lower half at 1.45% (Q2 2026). First National Bank of Coffee County reported 1.45% on return on assets for Q2 2026, 0.19 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.70% |
| Tier 1 risk-based capital ratio | 17.70% |
| Total risk-based capital ratio | 18.96% |
| Tier 1 leverage ratio | 8.85% |
| Equity capital to assets | 8.52% |
| Tangible equity to tangible assets | 8.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.02% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 253.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 17.20% |
| Net interest margin | 3.86% |
| Efficiency ratio | 63.14% |
| Yield on earning assets | 5.36% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.12% |
| Core deposits to total deposits | 94.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.36% |
| Securities to assets | 31.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.44% | 17.44% | 18.60% | 9.19% | 0.96% |
| Q4 2023 | 17.40% | 17.40% | 18.63% | 8.90% | 0.84% |
| Q1 2024 | 16.34% | 16.34% | 17.57% | 8.60% | 1.12% |
| Q2 2024 | 17.05% | 17.05% | 18.30% | 8.70% | 1.11% |
| Q3 2024 | 17.19% | 17.19% | 18.44% | 8.84% | 1.06% |
| Q4 2024 | 17.97% | 17.97% | 19.22% | 8.73% | 1.43% |
| Q1 2025 | 18.02% | 18.02% | 19.27% | 8.23% | 1.42% |
| Q2 2025 | 18.82% | 18.82% | 20.07% | 9.00% | 1.79% |
| Q3 2025 | 20.17% | 20.17% | 21.42% | 9.34% | 1.47% |
| Q4 2025 | 20.99% | 20.99% | 22.24% | 9.48% | 1.41% |
| Q1 2026 | 19.00% | 19.00% | 20.26% | 8.72% | 1.37% |
| Q2 2026 | 17.70% | 17.70% | 18.96% | 8.85% | 1.45% |
First National Bank of Coffee County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Coffee County, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of Coffee County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33506) · FFIEC NIC profile (RSSD 1892154)