First National Bank of Decatur County
Also written as FNB of Decatur County
BankRegReports is independent of First National Bank of Decatur County and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First National Bank of Decatur County is an FDIC-insured commercial bank headquartered in Bainbridge, GA, supervised by the OCC, with $359.6M in total assets at Q2 2026, up 4.8% from Q2 2025, the 58th largest of 121 banks headquartered in Georgia. It was established in 2004 and holds FDIC certificate 57694. Its CET1 capital ratio was 9.98% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57694
- Headquarters
- Bainbridge, GA
- Established
- 2004
- Total assets, Q2 2026
- $359.6M
- Assets vs Q2 2025
- +4.8%
- CET1 ratio, Q2 2026
- 9.98%
- Domestic offices
- 6 · First National Bank of Decatur County branches FDIC institution directory, current count
- Routing number
- 061220418
- Safety and soundness
- Is First National Bank of Decatur County safe?
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Decatur County call report
- Holding company
- BAINBRIDGE BANCSHARES, INC.
- Asset rank in state
- 58th of 121 in Georgia
First National Bank of Decatur County spends more to run itself than most banks of its size. Its balance sheet stood at $360 million at June 30, 2026, up 4.8% from a year earlier; it is based in Bainbridge, Georgia. It earns about $0.21 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter slipped 21% from a year earlier, to $184,000. Over the same year, loans grew 11.7% and deposits grew 3.8%. Where it has less room is capital: it holds common equity equal to 9.98% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.11%).
As of June 30, 2026, First National Bank of Decatur County reported a CET1 capital ratio of 9.98%, a return on assets of 0.21%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 4.99%. The figures come from its call report filed with the FFIEC.
First National Bank of Decatur County ranks as the 58th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.0% to $359.6M, loans rose 3.8% and deposits rose 2.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.7% of total loans, followed by owner-occupied commercial real estate loans at 18.9%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Bainbridge 2 offices book 51% of its branch deposits. Judged on its Q2 2026 call report, First National Bank of Decatur County meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 819 E Shotwell St, Bainbridge, GA 39819
- County
- Decatur
- Metro Area
- Bainbridge, 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
- April 5, 2004
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $330.8M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $55K
- Average total assets
- $356.9M
- Average total loans
- $263.8M
- Average interest-bearing deposits
- $329.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 5, 2004
- FDIC Cert
- 57694
- Fed RSSD
- 3232370
- SEC CIK
- 1266525 → filed by BAINBRIDGE BANCSHARES, INC.
- Website
- http://www.fnbdc.com →
- Parent Holding Company
- BAINBRIDGE BANCSHARES, INC. (RSSD 3232361)
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
First National Bank of Decatur County's total assets moved between a low of $305.2M (Q2 2024) and a high of $371.0M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$359.6M total assets against $342.9M; $336.9M total liabilities against $322.3M.
$265.4M net loans and leases against $237.5M; $330.8M total deposits against $318.6M.
$54.1M securities against $60.0M; $15.8M cash and balances due against $21.7M.
$5.0M total interest income against $4.5M; $2.0M total interest expense against $2.0M.
$3.0M net interest income against $2.6M.
$341K total noninterest income against $262K; $3.1M total noninterest expense against $2.6M.
$80K provision for credit losses against $30K.
$184K net income against $233K.
0.21% return on assets against 0.28%; 3.63% net interest margin against 3.32%.
9.98% CET1 capital ratio against 10.13%; 7.42% tier 1 leverage ratio against 7.78%.
Inside the full First National Bank of Decatur County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Decatur County rankings
Its closest position to the top of a national ranking is 1,344 of 3,640, for Texas Ratio; its furthest is 2,098 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.30% (Q3 2024) to 0.40% (Q3 2025) and its net interest margin ran from 2.77% (Q4 2024) to 3.63% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.98% | 0.21% | 0.36% | 4.99% | 3.63% |
| Q1 2026 | 9.91% | 0.33% | 0.43% | 6.96% | 3.60% |
| Q4 2025 | 9.75% | 0.00% | 0.44% | 6.21% | 3.44% |
| Q3 2025 | 10.80% | 0.40% | 0.47% | 4.72% | 3.38% |
| Q2 2025 | 10.13% | 0.28% | 0.48% | 4.96% | 3.32% |
| Q1 2025 | 10.71% | 0.01% | 0.48% | 4.83% | 3.08% |
| Q4 2024 | 10.64% | 0.06% | 0.59% | 5.90% | 2.77% |
| Q3 2024 | 11.07% | -0.30% | 0.47% | 4.32% | 2.78% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 Decatur County (main office) | Bainbridge , GA | 39819 | $167.7M |
| Moultrie Branch | Moultrie , GA | 31768 | $87.7M |
| Cairo Branch | Cairo , GA | 39828 | $56.5M |
| Miramar Beach Branch | Miramar Beach , FL | 32550 | $11.6M |
| Leesburg Branch | Leesburg , GA | 31763 | $4.8M |
| First National Bank Hwy 27 Branch | Bainbridge , GA | 39819 | $2.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 15, 2016 | Structure Change | Acquired Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 14, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 24, 2011, OCC: Formal Agreement: First National Bank of Decatur County
- Period: Most recent institution action March 24, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 82 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 75 applications, 72 loans originated, $18.4M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- 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
Add this badge to your website
Free to use. It shows First National Bank of Decatur County’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about First National Bank of Decatur County
What are First National Bank of Decatur County's total assets?
As of the Q2 2026 filing, First National Bank of Decatur County reported total assets of $359.6 million in its FFIEC call report.
Where is First National Bank of Decatur County headquartered?
It is headquartered in Bainbridge, GA, United States.
When was First National Bank of Decatur County founded?
It was established in 2004, per the FDIC institution directory.
Is First National Bank of Decatur County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57694). 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 Decatur County?
First National Bank of Decatur County's primary federal regulator is the OCC.
What is First National Bank of Decatur County's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.98% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank of Decatur County operate?
It operates 6 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 Decatur County's Texas Ratio?
Its Texas Ratio is 4.99% 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.
Go deeper on First National Bank of Decatur County.
Get an email when First National Bank of Decatur County files its next call report, and benchmark it against any peer you choose.
Unlock First National Bank of Decatur County, freeFree account