First National Community Bank
Chatsworth, GA · Cert 22092 · Peer group: banks under $1B in assets in GA (n=58-59) · First Chatsworth Bankshares
National charter · OCC · 11 branches
Q2 2026
$754.7MAssets
$540.0MLoans
$653.2MDeposits
$97.5MEquity
Executive Summary
- Strongest standing: return on assets outperforms 85% of banks under $1B in assets in GA (rank 9 of 59).
- Widest gap: total risk-based capital ratio trails 69% of banks under $1B in assets in GA (rank 41 of 59).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.83%
Rank 9 of 59
Net Interest Margin
4.65%
Rank 19 of 59
Efficiency Ratio
48.77%
Rank 10 of 59
Equity / Assets
12.92%
Rank 21 of 59
Non-interest income vs. expense
Unfavorable gap of $15.0M · efficiency ratio beats 85% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.83% | 0.94% | 1.46% | 1.76% | Beats 85% | 9 / 59 | | |
| Return on Equity | 14.17% | 7.92% | 11.60% | 15.10% | Beats 64% | 21 / 59 | | |
| Net Interest Margin | 4.65% | 3.66% | 4.24% | 4.75% | Beats 68% | 19 / 59 | | |
| Efficiency Ratio | 48.77% | 51.87% | 60.25% | 70.24% | Beats 85% | 10 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.10% | 0.36% | 0.89% | Beats 45% | 33 / 58 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 60% | 24 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 12.92% | 11.93% | 15.65% | 21.05% | Beats 31% | 41 / 59 | | |
| Total Risk-Based Capital Ratio | 12.92% | 12.05% | 15.77% | 22.26% | Beats 31% | 41 / 59 | | |
| Equity / Assets | 12.92% | 9.10% | 11.51% | 14.32% | Beats 64% | 21 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.67% | 59.62% | 72.81% | 85.44% | 71st pctl | 17 / 58 | | |
| Loans / Assets | 71.55% | 49.55% | 64.39% | 73.73% | 71st pctl | 17 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |