First National Community Bank (Chatsworth, GA)
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Data as of · sourced from FFIEC call reports. How we update
First National Community Bank is an FDIC-insured commercial bank headquartered in Chatsworth, GA, established in 1975 (FDIC certificate 22092), and it is supervised by the OCC. At Q2 2026 it reported total assets of $754.7M, up 7.9% from Q2 2025, the 20th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.92% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 22092
- Headquarters
- Chatsworth, GA
- Established
- 1975
- Total assets, Q2 2026
- $754.7M
- Assets vs Q2 2025
- +7.9%
- Tier 1 leverage ratio, Q2 2026
- 12.92%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 061102594
- Latest call report
- Q2 2026, FFIEC 051 · First National Community Bank call report
- Holding company
- FIRST CHATSWORTH BANKSHARES, INC.
- Asset rank in state
- 20th of 121 in Georgia
First National Community Bank earns an unusually wide margin on its lending. The Chatsworth, Georgia bank had $755 million in assets at June 30, 2026, up 7.9% from a year earlier. It keeps 4.92 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.43% of loans from 1.11%. Deposits are coming in faster than loans: over the year loans rose 2.3% and deposits rose 7.8%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, First National Community Bank reported a return on assets of 1.93%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 2.22%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, First National Community Bank is the 20th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.6% to $754.7M, loans rose 4.6% and deposits rose 5.5%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 28.1% of total loans, followed by 1-4 family residential loans at 22.3%. Its 11 offices in the FDIC Summary of Deposits are in 8 cities in GA; its Rome 3 offices book 29% of its branch deposits. Judged on its Q2 2026 call report, First National Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 701 N 3rd Ave, Chatsworth, GA 30705
- County
- Murray
- Metro Area
- Dalton, 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
- August 18, 1975
- Former names
- The First National Bank of Chatsworth (1977-2011)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 107
- Domestic deposits
- $653.2M
- Allowance for credit losses
- $7.1M
- Net charge-offs (YTD)
- -$37K
- Average total assets
- $742.0M
- Average total loans
- $532.7M
- Average interest-bearing deposits
- $485.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 18, 1975
- FDIC Cert
- 22092
- Fed RSSD
- 450632
- SEC CIK
- 708492 → filed by FIRST CHATSWORTH BANKSHARES, INC.
- Website
- www.FNCBank.com →
- Parent Holding Company
- FIRST CHATSWORTH BANKSHARES, INC. (RSSD 1084481)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First National Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Community Bank's total assets moved between a low of $582.5M (Q3 2023) and a high of $754.7M (Q2 2026) from Q3 2023 to Q2 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
$754.7M total assets against $699.2M; $657.2M total liabilities against $609.6M.
$532.9M net loans and leases against $521.2M; $653.2M total deposits against $605.7M.
$21.2M securities against $21.9M; $174.7M cash and balances due against $129.6M.
$11.9M total interest income against $11.1M; $3.0M total interest expense against $2.9M.
$8.8M net interest income against $8.2M.
$895K total noninterest income against $843K; $4.7M total noninterest expense against $4.6M.
$270K provision for credit losses against $270K.
$3.6M net income against $3.1M.
1.93% return on assets against 1.84%; 4.92% net interest margin against 5.01%.
12.92% tier 1 leverage ratio against 12.94%.
Inside the full First National Community Bank 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 Community Bank rankings
Its closest position to the top of a national ranking is 567 of 3,611, for ROA; its furthest is 2,174 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.50% (Q3 2025) to 2.08% (Q4 2025) and its net interest margin ran from 4.84% (Q1 2026) to 5.44% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.92% | 1.93% | 0.43% | 2.22% | 4.92% |
| Q1 2026 | 13.50% | 1.87% | 0.46% | 2.29% | 4.84% |
| Q4 2025 | 13.06% | 2.08% | 0.54% | 2.63% | 5.00% |
| Q3 2025 | 12.88% | 1.50% | 0.50% | 2.60% | 5.27% |
| Q2 2025 | 12.94% | 1.84% | 1.11% | 6.10% | 5.01% |
| Q1 2025 | 13.20% | 1.86% | 0.30% | 1.64% | 5.06% |
| Q4 2024 | 13.34% | 2.06% | 0.22% | 1.21% | 5.17% |
| Q3 2024 | 12.98% | 2.00% | 0.32% | 1.35% | 5.44% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 Community Bank (main office) | Chatsworth , GA | 30705 | $165.3M |
| Dalton Office | Dalton , GA | 30721 | $102.5M |
| Rome Branch - Broad Street | Rome , GA | 30161 | $99.9M |
| Cartersville Branch | Cartersville , GA | 30121 | $64.2M |
| Rome Branch - Martha Berry Blvd | Rome , GA | 30165 | $61.6M |
| Calhoun Branch | Calhoun , GA | 30701 | $43.1M |
| Dallas Branch | Dallas , GA | 30132 | $37.9M |
| Adairsville Branch | Adairsville , GA | 30103 | $35.0M |
| Rome Branch - Shorter Avenue | Rome , GA | 30165 | $27.5M |
| Dalton Branch | Dalton , GA | 30720 | $16.3M |
| Eton Branch | Eton , GA | 30724 | $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 |
|---|---|---|---|
| July 2, 2021 | Structure Change | Acquired Heritage First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 31, 2019 | Structure Change | Acquired Northside Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC)
- January 20, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The First National Bank of Chatsworth
- September 17, 2009, OCC: Formal Agreement: The First National Bank of Chatsworth
- April 28, 2003, OCC: Formal Agreement: The First National Bank of Chatsworth
- April 7, 1992, OCC: Formal Agreement: The First National Bank Of Chatsworth
- Period: Most recent institution action January 20, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in GA, rank 38 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $479K approved, $479K 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 Community Bank
What are First National Community Bank's total assets?
As of the Q2 2026 filing, First National Community Bank reported total assets of $754.7 million in its FFIEC call report.
Where is First National Community Bank headquartered?
It is headquartered in Chatsworth, GA, United States.
When was First National Community Bank founded?
It was established in 1975, per the FDIC institution directory.
Is First National Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22092). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Community Bank?
First National Community Bank's primary federal regulator is the OCC.
How many branches does First National Community Bank operate?
It operates 11 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 Community Bank's Texas Ratio?
Its Texas Ratio is 2.22% 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.
What was First National Community Bank previously called?
The charter now named First National Community Bank has also operated as The First National Bank of Chatsworth (1977-2011), per FDIC structure-change records.
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