Flint Community Bank
BankRegReports is independent of Flint Community Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Flint Community Bank is an FDIC-insured commercial bank headquartered in Albany, GA, established in 2006 (FDIC certificate 58074), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $357.1M, up 7.9% from Q2 2025, the 59th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 12.72% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58074
- Headquarters
- Albany, GA
- Established
- 2006
- Total assets, Q2 2026
- $357.1M
- Assets vs Q2 2025
- +7.9%
- CET1 ratio, Q2 2026
- 12.72%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061220654
- Holding company
- FLINT COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 59th of 121 in Georgia
Problem loans are rising at Flint Community Bank. Based in Albany, Georgia, it had $357 million in assets at June 30, 2026, up 7.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.05% of loans from 1.70% a year earlier. It returns 24.1% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 16.6% of the capital and reserves that would absorb them, 6.3 times the median of 2.6% for banks its size.
Net income for the quarter rose 11% from a year earlier, to $1.9 million. Over the same year, loans grew 1.5% and deposits grew 10.5%. Where it has less room is capital: it funds 9.06% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Flint Community Bank reported a CET1 capital ratio of 12.72%, a return on assets of 2.16%, a nonperforming-loan ratio of 2.05% and a Texas ratio of 16.59%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Flint Community Bank is the 59th largest of the 121 banks headquartered in Georgia. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $357.1M, loans were flat and deposits rose 2.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 43.8% of total loans, followed by owner-occupied commercial real estate loans at 24.8%. Its one office in the FDIC Summary of Deposits is in Albany, GA. By the capital ratios in its Q2 2026 call report, Flint Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2910 Meredyth Dr, Albany, GA 31721
- County
- Dougherty
- Metro Area
- Albany, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 3, 2006
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $310.4M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- $211K
- Average total assets
- $355.2M
- Average total loans
- $280.2M
- Average interest-bearing deposits
- $228.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 3, 2006
- FDIC Cert
- 58074
- Fed RSSD
- 3341393
- Website
- http://www.flint.bank →
- Parent Holding Company
- FLINT COMMUNITY BANCSHARES, INC. (RSSD 3341656)
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
From Q3 2023 to Q2 2026, Flint Community Bank's total assets ranged from $307.3M (Q4 2023) to $357.1M (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
$357.1M total assets against $331.0M; $325.0M total liabilities against $301.5M.
$275.9M net loans and leases against $272.1M; $310.4M total deposits against $281.0M.
$10.9M securities against $8.5M; $57.5M cash and balances due against $37.6M.
$5.2M total interest income against $5.1M; $1.4M total interest expense against $1.6M.
$3.7M net interest income against $3.5M.
$405K total noninterest income against $401K; $2.1M total noninterest expense against $2.1M.
$120K provision for credit losses against $60K.
$1.9M net income against $1.7M.
2.16% return on assets against 2.06%; 4.32% net interest margin against 4.29%.
12.72% CET1 capital ratio against 11.76%; 9.06% tier 1 leverage ratio against 8.81%.
Inside the full Flint Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFlint Community Bank rankings
Its closest position to the top of a national ranking is 256 of 3,640, for Texas Ratio; its furthest is 1,496 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.72% (Q3 2024) to 2.16% (Q2 2026) and its net interest margin ran from 4.02% (Q3 2024) to 4.57% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.72% | 2.16% | 2.05% | 16.59% | 4.32% |
| Q1 2026 | 12.49% | 2.05% | 2.05% | 16.26% | 4.46% |
| Q4 2025 | 12.30% | 2.16% | 1.83% | 14.74% | 4.57% |
| Q3 2025 | 12.18% | 2.05% | 1.89% | 15.25% | 4.42% |
| Q2 2025 | 11.76% | 2.06% | 1.70% | 14.23% | 4.29% |
| Q1 2025 | 11.38% | 1.84% | 1.71% | 14.71% | 4.19% |
| Q4 2024 | 11.26% | 1.91% | 1.80% | 15.60% | 4.20% |
| Q3 2024 | 11.59% | 1.72% | 2.00% | 16.89% | 4.02% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Flint Community Bank (main office) | Albany , GA | 31721 | $310.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 84 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 134 applications, 124 loans originated, $29.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $935K approved, $935K 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
- Enforcement actions, 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 Flint Community Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Flint Community Bank with peers
Frequently asked about Flint Community Bank
What are Flint Community Bank's total assets?
As of the Q2 2026 filing, Flint Community Bank reported total assets of $357.1 million in its FFIEC call report.
Where is Flint Community Bank headquartered?
It is headquartered in Albany, GA, United States.
When was Flint Community Bank founded?
It was established in 2006, per the FDIC institution directory.
Is Flint Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Flint Community Bank?
Flint Community Bank's primary federal regulator is the FDIC.
What is Flint Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.72% in its Q2 2026 call report, above regulatory requirements.
How many branches does Flint Community Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Flint Community Bank's Texas Ratio?
Its Texas Ratio is 16.59% 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 Flint Community Bank.
Get an email when Flint Community Bank files its next call report, and benchmark it against any peer you choose.
Unlock Flint Community Bank, freeFree account