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First National Community Bank
Chatsworth, GA · FDIC Certificate #22092 · Chartered 08/1
Total assets
$754.71M
Total deposits
$653.19M
Total equity
$97.50M
Net loans
$532.89M
Branches (offices)
11
Net income (YTD)
$6.91M
Rank: #1,310 of 4,213 U.S. banks by assets · #20 of 123 in Georgia. Assets changed 7.9% and deposits 7.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.90% |
| Return on equity | 14.25% |
| Net interest margin (YTD) | 4.96% |
| Equity to assets | 12.92% |
| Tier 1 leverage ratio | 12.92% |
| Uninsured deposits (share of deposits) | 28.2% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 81.6% |
| Real estate loans (share of loans) | 91.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $488.65M | 91.7% | |
| Commercial & industrial | $47.63M | 8.9% | |
| Consumer / individual | $3.86M | 0.7% | |
| Construction & development | $87.32M | 16.4% | |
| Agricultural | $64.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $638.10M | $575.39M | $2.80M | $60.95M |
| Jun 2023 | $552.03M | $479.02M | $5.85M | $70.63M |
| Jun 2024 | $648.87M | $565.45M | $5.73M | $80.24M |
| Jun 2025 | $699.18M | $605.66M | $6.22M | $89.56M |
| Jun 2026 | $754.71M | $653.19M | $6.91M | $97.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $653.19M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $653.19M.
Similar-sized banks
Eaglemark Savings Bank ($755.67M) · United Valley Bank ($751.56M)
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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