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First National Bank Of Griffin
Griffin, GA · FDIC Certificate #169 · Chartered 05/1
Total assets
$368.28M
Total deposits
$321.31M
Total equity
$34.23M
Net loans
$181.89M
Branches (offices)
6
Net income (YTD)
$2.69M
Rank: #2,177 of 4,213 U.S. banks by assets · #56 of 123 in Georgia. Assets changed 0.1% and deposits -0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 16.20% |
| Net interest margin (YTD) | 4.69% |
| Equity to assets | 9.29% |
| Tier 1 leverage ratio | 11.41% |
| Uninsured deposits (share of deposits) | 15.7% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 56.6% |
| Real estate loans (share of loans) | 85.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $154.64M | 85.0% | |
| Commercial & industrial | $25.59M | 14.1% | |
| Consumer / individual | $4.29M | 2.4% | |
| Construction & development | $20.88M | 11.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $392.48M | $357.87M | $539.00K | $15.85M |
| Jun 2023 | $373.40M | $340.44M | $2.74M | $18.51M |
| Jun 2024 | $365.60M | $323.57M | $2.51M | $24.15M |
| Jun 2025 | $367.89M | $323.05M | $3.19M | $29.00M |
| Jun 2026 | $368.28M | $321.31M | $2.69M | $34.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $321.31M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $321.31M.
Similar-sized banks
The Bank Of Romney ($368.81M) · The First National Bank Of Oneida ($367.78M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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