First National Community Bank

BankChatsworth, Georgia
www.FNCBank.com

Total Assets

$703.2M

Total Deposits

$604.8M

Branches

11

Established

1975

TFS Health Grade

$
C

74.0 / 100

Average financial health

How we grade

First National Community Bank is a bank headquartered in Chatsworth, Georgia, established in 1975. With $703.2M in total assets and 11 branch locations, it has a TFS Financial Health Grade of C (74.0/100).

Capital & Safety

Tier 1 Capital Ratio
13.06%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.54%

Profitability

Return on Assets (ROA)
1.83%(1%)
Return on Equity (ROE)
13.89%(10%)
Net Interest Margin
5.18%
Efficiency Ratio
48.19%(60%)

Lending & Liquidity

Total Loans
$496.1M
Loan-to-Deposit Ratio
80.92%
Net Charge-Off Ratio
0.45%

Growth

Asset Growth (YoY)
+8.19%
Deposit Growth (YoY)
+7.89%
Net Income
$12.6M

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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