Flint Community Bank
Albany, GA · Cert 58074 · Peer group: banks under $1B in assets (n=581-629) · Flint Community Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$357.1MAssets
$279.7MLoans
$310.4MDeposits
$32.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 90% of banks under $1B in assets (rank 62 of 629).
- Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets (rank 507 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.60%
Rank 131 of 629
Net Interest Margin
4.11%
Rank 139 of 629
Efficiency Ratio
51.96%
Rank 85 of 629
Equity / Assets
9.00%
Rank 481 of 629
Non-interest income vs. expense
Unfavorable gap of $6.8M · efficiency ratio beats 87% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.60% | 1.01% | 1.45% | Beats 79% | 131 / 629 | |
| Return on Equity | 17.80% | 5.38% | 9.30% | 13.28% | Beats 90% | 62 / 629 | |
| Net Interest Margin | 4.11% | 3.03% | 3.54% | 4.05% | Beats 78% | 139 / 629 | |
| Efficiency Ratio | 51.96% | 58.35% | 67.79% | 79.08% | Beats 87% | 85 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.05% | 0.09% | 0.46% | 1.20% | Beats 13% | 507 / 581 | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.01% | 0.06% | Beats 23% | 451 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.72% | 11.24% | 13.84% | 18.77% | Beats 40% | 375 / 629 | |
| Total Risk-Based Capital Ratio | 13.97% | 11.58% | 14.43% | 19.66% | Beats 46% | 339 / 629 | |
| Equity / Assets | 9.00% | 9.09% | 10.65% | 13.80% | Beats 24% | 481 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 90.10% | 67.24% | 80.90% | 93.48% | 69th pctl | 182 / 594 | |
| Loans / Assets | 78.32% | 53.31% | 67.71% | 78.15% | 75th pctl | 155 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |