The Four County Bank

The Four County Bank is one of the more profitable banks of its size. Based in Allentown, Georgia, it had $87 million in assets at June 30, 2026, down 2.0% from a year earlier. It returns 16.7% a year on shareholders' equity, about double the median of 8.6% for the 583 banks with less than $100 million in assets. It also keeps 4.89 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.87 cents). Much of that comes from cost control: it spends about 55 cents to bring in each dollar of revenue.

Its $6.2 million non-owner-occupied commercial real estate book is improving, with 0.39% past due or on nonaccrual, down from 2.09% a year earlier. The commercial and industrial book ($8.2 million) is worsening: 2.17% of it is past due or on nonaccrual, up from 0.77% a year earlier. Funding is the softer spot: it pays an average of 2.26% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).

As of June 30, 2026, The Four County Bank reported a return on assets of 2.06%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 3.23%. The figures come from its call report filed with the FFIEC.