First National Bank of Decatur County
Bainbridge, GA · Cert 57694 · Peer group: banks under $1B in assets in GA (n=58-59) · Bainbridge Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
$359.6MAssets
$267.9MLoans
$330.8MDeposits
$22.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 53% of banks under $1B in assets in GA (rank 28 of 58).
- Widest gap: equity / assets trails 97% of banks under $1B in assets in GA (rank 57 of 59).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.26%
Rank 54 of 59
Net Interest Margin
3.28%
Rank 50 of 59
Efficiency Ratio
89.31%
Rank 56 of 59
Equity / Assets
6.32%
Rank 57 of 59
Non-interest income vs. expense
Unfavorable gap of $10.3M · efficiency ratio beats 7% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.26% | 0.94% | 1.46% | 1.76% | Beats 8% | 54 / 59 | |
| Return on Equity | 4.17% | 7.92% | 11.60% | 15.10% | Beats 10% | 53 / 59 | |
| Net Interest Margin | 3.28% | 3.66% | 4.24% | 4.75% | Beats 15% | 50 / 59 | |
| Efficiency Ratio | 89.31% | 51.87% | 60.25% | 70.24% | Beats 7% | 56 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.10% | 0.36% | 0.89% | Beats 53% | 28 / 58 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 45% | 33 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 9.98% | 11.93% | 15.65% | 21.05% | Beats 5% | 56 / 59 | |
| Total Risk-Based Capital Ratio | 10.99% | 12.05% | 15.77% | 22.26% | Beats 14% | 51 / 59 | |
| Equity / Assets | 6.32% | 9.10% | 11.51% | 14.32% | Beats 3% | 57 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 80.98% | 59.62% | 72.81% | 85.44% | 62nd pctl | 22 / 58 | |
| Loans / Assets | 74.51% | 49.55% | 64.39% | 73.73% | 76th pctl | 14 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |