Flint Community Bank: 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: 12.24 percentage points higher than in Q1 2026, at 64.53%. Flint Community Bank ranks 20th of 121 Georgia banks on return on assets, in the upper half at 2.16% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Flint Community Bank reported 2.16% on return on assets in Q2 2026, 0.91 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.72% |
| Tier 1 risk-based capital ratio | 12.72% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 9.06% |
| Equity capital to assets | 9.00% |
| Tangible equity to tangible assets | 9.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.08% |
| Non-performing assets ratio | 1.69% |
| Net charge-off ratio | 0.19% |
| Texas ratio | 16.81% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 64.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.16% |
| Return on equity | 24.13% |
| Net interest margin | 4.32% |
| Efficiency ratio | 50.32% |
| Yield on earning assets | 6.02% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.10% |
| Core deposits to total deposits | 93.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.92% |
| Securities to assets | 3.06% |
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 | 11.15% | 11.15% | 12.41% | 8.34% | 1.61% |
| Q4 2023 | 11.31% | 11.31% | 12.57% | 8.57% | 1.61% |
| Q1 2024 | 11.28% | 11.28% | 12.53% | 8.69% | 1.47% |
| Q2 2024 | 11.22% | 11.22% | 12.47% | 8.76% | 1.52% |
| Q3 2024 | 11.59% | 11.59% | 12.85% | 8.90% | 1.72% |
| Q4 2024 | 11.26% | 11.26% | 12.51% | 9.04% | 1.91% |
| Q1 2025 | 11.38% | 11.38% | 12.63% | 8.87% | 1.84% |
| Q2 2025 | 11.76% | 11.76% | 13.01% | 8.81% | 2.06% |
| Q3 2025 | 12.18% | 12.18% | 13.44% | 9.16% | 2.05% |
| Q4 2025 | 12.30% | 12.30% | 13.55% | 9.24% | 2.16% |
| Q1 2026 | 12.49% | 12.49% | 13.75% | 9.36% | 2.05% |
| Q2 2026 | 12.72% | 12.72% | 13.97% | 9.06% | 2.16% |
Flint Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Flint Community Bank, 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 Flint Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58074) · FFIEC NIC profile (RSSD 3341393)