First National Bank of Griffin
Also written as FNB of Griffin
BankRegReports is independent of First National Bank of Griffin and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First National Bank of Griffin is an FDIC-insured commercial bank headquartered in Griffin, GA, established in 1933 (FDIC certificate 169), and it is supervised by the OCC. At Q2 2026 it reported total assets of $368.3M, up 0.1% from Q2 2025, the 56th 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
- 169
- Headquarters
- Griffin, GA
- Established
- 1933
- Total assets, Q2 2026
- $368.3M
- Assets vs Q2 2025
- +0.1%
- CET1 ratio, Q2 2026
- 17.70%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 061101184
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Griffin Q3 2026 call report, filed October 26, 2026 (preliminary)
- Asset rank in state
- 56th of 121 in Georgia
First National Bank of Griffin, based in Griffin, Georgia, reported $368 million in assets at June 30, 2026. It pays an average of 0.56% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 17.3% over the year, about triple the median of 5.5% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 17.3% and deposits fell 0.5%. Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 27% of Tier 1 capital, down from 35% a year earlier. One more trend to watch: net income for the quarter slipped 12% from a year earlier, to $1.4 million.
As of June 30, 2026, First National Bank of Griffin reported a CET1 capital ratio of 17.70%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.22%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, First National Bank of Griffin is the 56th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.4% to $368.3M, loans were flat and deposits fell 2.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 26.6% of total loans, followed by 1-4 family residential loans at 21.3%. Its 6 offices in the FDIC Summary of Deposits are in Griffin, GA, Hampton, GA and Locust Grove, GA; its Griffin 4 offices book 83% of its branch deposits. Judged on its Q2 2026 call report, First National Bank of Griffin meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 318 S Hill St, Griffin, GA 30224
- County
- Spalding
- Metro Area
- Atlanta-Sandy Springs-Roswell, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 12, 1933
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $321.3M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $368.3M
- Average total loans
- $185.2M
- Average interest-bearing deposits
- $205.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 169
- Fed RSSD
- 563233
- Website
- www.fnbgriffin.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 National Bank of Griffin's total assets ran between $357.8M (Q3 2024) and $377.5M (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
$368.3M total assets against $367.9M; $334.1M total liabilities against $338.9M.
$181.9M net loans and leases against $155.2M; $321.3M total deposits against $323.1M.
$111.6M securities against $120.9M; $54.2M cash and balances due against $70.2M.
$4.5M total interest income against $4.5M; $450K total interest expense against $591K.
$4.1M net interest income against $3.9M.
$682K total noninterest income against $954K; $2.9M total noninterest expense against $2.7M.
$80K provision for credit losses against $181K.
$1.4M net income against $1.6M.
1.53% return on assets against 1.75%; 4.56% net interest margin against 4.41%.
17.70% CET1 capital ratio against 18.08%; 11.41% tier 1 leverage ratio against 10.63%.
Inside the full First National Bank of Griffin terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Griffin rankings
Its closest position to the top of a national ranking is 509 of 2,134, for CET1 ratio; its furthest is 3,145 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.38% (Q4 2024) to 1.77% (Q1 2025) and its net interest margin ran from 4.15% (Q1 2025) to 4.71% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.70% | 1.53% | 0.04% | 0.22% | 4.56% |
| Q1 2026 | 17.24% | 1.42% | 0.12% | 0.61% | 4.48% |
| Q4 2025 | 17.33% | 1.53% | 0.12% | 0.63% | 4.57% |
| Q3 2025 | 17.50% | 1.60% | 0.13% | 0.68% | 4.71% |
| Q2 2025 | 18.08% | 1.75% | 0.13% | 0.68% | 4.41% |
| Q1 2025 | 18.66% | 1.77% | 0.16% | 0.77% | 4.15% |
| Q4 2024 | 17.38% | 1.38% | 0.19% | 1.00% | 4.35% |
| Q3 2024 | 17.73% | 1.42% | 0.24% | 1.17% | 4.41% |
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 Griffin (main office) | Griffin , GA | 30224 | $173.3M |
| Northside Branch | Griffin , GA | 30223 | $54.7M |
| Southside Branch | Griffin , GA | 30224 | $37.0M |
| Hampton Branch | Hampton , GA | 30228 | $35.9M |
| Heron Bay Branch | Locust Grove , GA | 30248 | $20.3M |
| Griffin Crossings Annex | Griffin , GA | 30223 | $0 |
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 |
|---|---|---|---|
| June 1, 2002 | Structure Change | Acquired American Community Bank of Georgia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2002 | 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
- 2 against the institution (OCC); 1 against individuals associated with it
- November 10, 2009, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank of Griffin
- October 14, 2008, OCC: Formal Agreement: First National Bank of Griffin
- Period: Most recent institution action November 10, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 80 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $195K approved, $195K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (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
Add this badge to your website
Free to use. It shows First National Bank of Griffin’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about First National Bank of Griffin
What are First National Bank of Griffin's total assets?
As of the Q2 2026 filing, First National Bank of Griffin reported total assets of $368.3 million in its FFIEC call report.
Where is First National Bank of Griffin headquartered?
It is headquartered in Griffin, GA, United States.
When was First National Bank of Griffin founded?
It was established in 1933, per the FDIC institution directory.
Is First National Bank of Griffin FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #169). 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 Griffin?
First National Bank of Griffin's primary federal regulator is the OCC.
What is First National Bank of Griffin'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 Griffin 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 Griffin's Texas Ratio?
Its Texas Ratio is 0.22% 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 Griffin.
Get an email when First National Bank of Griffin files its next call report, and benchmark it against any peer you choose.
Unlock First National Bank of Griffin, freeFree account