First National Bank of Coffee County
Douglas, GA · Cert 33506 · Peer group: banks under $1B in assets (n=581-629) · FNC Bcorp Inc.
National charter · OCC · 5 branches
Q2 2026
$547.5MAssets
$282.6MLoans
$494.7MDeposits
$46.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: equity / assets trails 83% of banks under $1B in assets (rank 520 of 629).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.10%
Rank 280 of 629
Net Interest Margin
3.57%
Rank 298 of 629
Efficiency Ratio
63.43%
Rank 237 of 629
Equity / Assets
8.52%
Rank 520 of 629
Non-interest income vs. expense
Unfavorable gap of $11.4M · efficiency ratio beats 62% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.60% | 1.01% | 1.45% | Beats 55% | 280 / 629 | | |
| Return on Equity | 12.95% | 5.38% | 9.30% | 13.28% | Beats 73% | 169 / 629 | | |
| Net Interest Margin | 3.57% | 3.03% | 3.54% | 4.05% | Beats 53% | 298 / 629 | | |
| Efficiency Ratio | 63.43% | 58.35% | 67.79% | 79.08% | Beats 62% | 237 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.09% | 0.46% | 1.20% | Beats 62% | 224 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 17.70% | 11.24% | 13.84% | 18.77% | Beats 72% | 176 / 629 | | |
| Total Risk-Based Capital Ratio | 18.96% | 11.58% | 14.43% | 19.66% | Beats 73% | 169 / 629 | | |
| Equity / Assets | 8.52% | 9.09% | 10.65% | 13.80% | Beats 17% | 520 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.12% | 67.24% | 80.90% | 93.48% | 15th pctl | 502 / 594 | | |
| Loans / Assets | 51.61% | 53.31% | 67.71% | 78.15% | 22nd pctl | 488 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |