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Flint Community Bank
Albany, GA · FDIC Certificate #58074 · Chartered 02/0
Total assets
$357.11M
Total deposits
$310.42M
Total equity
$32.14M
Net loans
$275.94M
Branches (offices)
1
Net income (YTD)
$3.64M
Rank: #2,218 of 4,213 U.S. banks by assets · #59 of 123 in Georgia. Assets changed 7.9% and deposits 10.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.10% |
| Return on equity | 23.07% |
| Net interest margin (YTD) | 4.43% |
| Equity to assets | 9.00% |
| Tier 1 leverage ratio | 9.06% |
| Uninsured deposits (share of deposits) | 35.6% |
| Noncurrent loans (share of loans) | 2.05% |
| Net charge-offs (share of loans) | 0.15% |
| Loans to deposits | 88.9% |
| Real estate loans (share of loans) | 90.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $250.29M | 90.7% | |
| Commercial & industrial | $26.96M | 9.8% | |
| Consumer / individual | $2.43M | 0.9% | |
| Construction & development | $16.77M | 6.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $291.16M | $255.84M | $2.21M | $24.77M |
| Jun 2023 | $319.29M | $274.53M | $2.25M | $25.71M |
| Jun 2024 | $307.61M | $268.30M | $2.31M | $27.05M |
| Jun 2025 | $331.02M | $281.03M | $3.21M | $29.53M |
| Jun 2026 | $357.11M | $310.42M | $3.64M | $32.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $310.42M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $310.42M.
Similar-sized banks
Murphy Bank ($357.18M) · Rivers Edge Bank ($357.10M)
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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