First National Bank of Decatur County

BankBainbridge, Georgia
http://www.fnbdc.com

Total Assets

$371.0M

Total Deposits

$345.2M

Branches

5

Established

2004

TFS Health Grade

$
D

63.1 / 100

Below average financial health

How we grade

First National Bank of Decatur County is a bank headquartered in Bainbridge, Georgia, established in 2004. With $371.0M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D (63.1/100).

Capital & Safety

Tier 1 Capital Ratio
7.46%(8%)
Total Capital Ratio
10.71%(10%)
Non-Performing Loan Ratio
0.44%

Profitability

Return on Assets (ROA)
0.17%(1%)
Return on Equity (ROE)
2.76%(10%)
Net Interest Margin
3.36%
Efficiency Ratio
93.17%(60%)

Lending & Liquidity

Total Loans
$249.5M
Loan-to-Deposit Ratio
71.58%
Net Charge-Off Ratio
0.09%

Growth

Asset Growth (YoY)
+10.75%
Deposit Growth (YoY)
+11.15%
Net Income
$582.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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