Queensborough National Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Queensborough National Bank & Trust Company is an FDIC-insured commercial bank headquartered in Louisville, GA, established in 1902 (FDIC certificate 2138), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.28B, up 5.7% from Q2 2025, the 7th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 12.36% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2138
- Headquarters
- Louisville, GA
- Established
- 1902
- Total assets, Q2 2026
- $2.28B
- Assets vs Q2 2025
- +5.7%
- CET1 ratio, Q2 2026
- 12.36%
- Domestic offices
- 25 FDIC institution directory, current count
- Routing number
- 061103975
- Latest call report
- Q2 2026, FFIEC 041 · Queensborough National Bank & Trust Company call report
- Holding company
- QUEENSBOROUGH COMPANY, THE
- Asset rank in state
- 7th of 121 in Georgia
Queensborough National Bank & Trust Company operates with a thinner capital cushion than most banks of its size. It reported $2.3 billion in assets at June 30, 2026, up 5.7% from a year earlier. It funds 8.64% of its assets with Tier 1 capital, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 10.49%). On the other hand, it pays an average of 1.57% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.01%).
Net income for the quarter rose 15% from a year earlier, to $6.4 million. Over the same year, loans grew 10.4% and deposits grew 6.2%.
As of June 30, 2026, Queensborough National Bank & Trust Company reported a CET1 capital ratio of 12.36%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 4.28%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Queensborough National Bank & Trust Company is the 7th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.6% to $2.28B, loans rose 3.6% and deposits fell 2.8%. Owner-occupied commercial real estate loans made up 25.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 24.0%. The FDIC Summary of Deposits lists 25 offices for it, in 21 cities in GA; its Augusta 2 offices book 33% of its branch deposits. On its Q2 2026 call report, Queensborough National Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 113 E Broad St, Louisville, GA 30434
- County
- Jefferson
- 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 041
- Established
- January 1, 1902
- Former names
- The First National Bank & Trust Company (1988-2006)
- Domestic offices
- 25 FDIC institution directory, current count
- Employees (FTE)
- 396
- Domestic deposits
- $2.05B
- Allowance for credit losses
- $14.0M
- Net charge-offs (YTD)
- $296K
- Average total assets
- $2.30B
- Average total loans
- $1.38B
- Average interest-bearing deposits
- $1.27B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2138
- Fed RSSD
- 960935
- SEC CIK
- 768157 → filed by QUEENSBOROUGH COMPANY, THE
- Website
- www.qnbtrust.bank →
- Parent Holding Company
- QUEENSBOROUGH COMPANY, THE (RSSD 1130904)
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
Queensborough National Bank & Trust Company's total assets moved between a low of $1.91B (Q3 2023) and a high of $2.34B (Q1 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
$2.28B total assets against $2.16B; $2.10B total liabilities against $1.98B.
$1.39B net loans and leases against $1.26B; $2.05B total deposits against $1.93B.
$602.4M securities against $674.0M; $168.5M cash and balances due against $107.9M.
$29.0M total interest income against $27.0M; $7.8M total interest expense against $7.9M.
$21.2M net interest income against $19.1M.
$4.8M total noninterest income against $3.9M; $16.8M total noninterest expense against $15.0M.
$900K provision for credit losses against $650K.
$6.4M net income against $5.6M.
1.11% return on assets against 1.04%; 3.90% net interest margin against 3.79%.
12.36% CET1 capital ratio against 13.59%; 8.64% tier 1 leverage ratio against 9.52%.
Inside the full Queensborough National Bank & Trust Company 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Queensborough National Bank & Trust Company rankings
Its closest position to the top of a national ranking is 537 of 4,196, for total assets; its furthest is 1,597 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.76% (Q3 2024) to 1.14% (Q3 2025) and its net interest margin ran from 3.23% (Q3 2024) to 3.90% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.36% | 1.11% | 0.59% | 4.28% | 3.90% |
| Q1 2026 | 13.18% | 1.08% | 0.44% | 3.20% | 3.83% |
| Q4 2025 | 13.05% | 1.05% | 0.58% | 4.15% | 3.73% |
| Q3 2025 | 13.88% | 1.14% | 0.42% | 2.82% | 3.79% |
| Q2 2025 | 13.59% | 1.04% | 0.71% | 4.53% | 3.79% |
| Q1 2025 | 13.78% | 0.99% | 0.89% | 5.66% | 3.44% |
| Q4 2024 | 13.52% | 0.95% | 0.92% | 6.10% | 3.42% |
| Q3 2024 | 14.00% | 0.76% | 0.74% | 4.67% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View all 25 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 |
|---|---|---|---|
| Walton Way Branch | Augusta , GA | 30909 | $616.2M |
| Waynesboro Branch | Waynesboro , GA | 30830 | $149.8M |
| Queensborough National Bank & Trust Company (main office) | Louisville , GA | 30434 | $134.0M |
| Augusta Branch | Martinez , GA | 30907 | $112.8M |
| Grovetown Branch | Grovetown , GA | 30813 | $96.2M |
| ThomsonWest Hill Branch | Thomson , GA | 30824 | $85.9M |
| Fury's Ferry Branch | Martinez , GA | 30907 | $74.4M |
| Swainsboro Division Branch | Swainsboro , GA | 30401 | $74.0M |
| Savannah Branch | Savannah , GA | 31406 | $65.0M |
| Enterprise Mill Branch | Augusta , GA | 30901 | $63.8M |
| Evans Branch | Evans , GA | 30809 | $63.6M |
| Tobacco Road Branch | Hephzibah , GA | 30815 | $56.3M |
| Sandersville Branch | Sandersville , GA | 31082 | $55.6M |
| MillenWinthrope Branch | Millen , GA | 30442 | $55.0M |
| Pooler Branch | Pooler , GA | 31322 | $49.6M |
| Rincon Branch | Rincon , GA | 31326 | $45.9M |
| Wadley Branch | Wadley , GA | 30477 | $44.6M |
| Statesboro Branch | Statesboro , GA | 30458 | $42.9M |
| Metter Branch | Metter , GA | 30439 | $39.7M |
| Main Street Branch | Wrens , GA | 30833 | $38.9M |
| Sylvania Branch | Sylvania , GA | 30467 | $37.5M |
| Savannah Branch | Savannah , GA | 31408 | $33.9M |
| Hinesville Branch | Hinesville , GA | 31313 | $9.6M |
| Jones Branch | Midville , GA | 30441 | $7.3M |
| U.S. 1 By-Pass Branch | Louisville , GA | 30434 | $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 |
|---|---|---|---|
| March 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1999 | Structure Change | Acquired Bank of Wadley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1986 | Structure Change | Acquired Bank of Midville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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
- 1 against the institution (OCC)
- December 8, 2010, OCC: Formal Agreement: Queensborough National Bank & Trust Company
- Period: Most recent institution action December 8, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in GA, rank 21 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 530 applications, 419 loans originated, $153.4M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.1M approved, $566K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Queensborough National Bank & Trust Company
What are Queensborough National Bank & Trust Company's total assets?
As of the Q2 2026 filing, Queensborough National Bank & Trust Company reported total assets of $2.28 billion in its FFIEC call report.
Where is Queensborough National Bank & Trust Company headquartered?
It is headquartered in Louisville, GA, United States.
When was Queensborough National Bank & Trust Company founded?
It was established in 1902, per the FDIC institution directory.
Is Queensborough National Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2138). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Queensborough National Bank & Trust Company?
Queensborough National Bank & Trust Company's primary federal regulator is the OCC.
What is Queensborough National Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.36% in its Q2 2026 call report, above regulatory requirements.
How many branches does Queensborough National Bank & Trust Company operate?
It operates 25 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Queensborough National Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 4.28% 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 Queensborough National Bank & Trust Company previously called?
The charter now named Queensborough National Bank & Trust Company has also operated as The First National Bank & Trust Company (1988-2006), per FDIC structure-change records.
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