First National Bank of Decatur County
Total assets
$359.6M
▲ +4.8% YoY
Deposits
$330.8M
▲ +3.8% YoY
Loans
$265.4M
▲ +11.8% YoY
Offices
6
BAINBRIDGE BANCSHARES INC
ROA (annualized)
0.26%
peers 1.24%
ROE (annualized)
4.20%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.1 pts |
| Loan growth (YoY) | +11.8% | +5.6% | +6.2 pts |
| ROA | 0.26% | 1.24% | -1.0 pts |
| ROE | 4.2% | 11.9% | -7.7 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
Profile
- Established
- 2004
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- BAINBRIDGE BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 819 E Shotwell St, Bainbridge, GA, 39819
- County
- Decatur
- Metro area
- Bainbridge, GA
- Offices
- 6
- FDIC cert #
- 57694
- RSSD ID
- 3232370
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $359.6M | $330.8M | $265.4M | $22.7M | $474K | 0.26% | 3.59% | 0.35% |
| Q1 2026 | $349.2M | $323.2M | $255.7M | $22.5M | $290K | 0.32% | 3.51% | 0.50% |
| Q4 2025 | $371.0M | $345.2M | $247.1M | $22.4M | $582K | 0.17% | 3.36% | 0.42% |
| Q3 2025 | $341.2M | $315.4M | $243.8M | $22.0M | $583K | 0.23% | 3.34% | 0.34% |
| Q2 2025 | $342.9M | $318.6M | $237.5M | $20.6M | $242K | 0.15% | 3.24% | 0.33% |
| Q1 2025 | $318.4M | $293.4M | $226.8M | $20.4M | $9K | 0.01% | 3.12% | 0.35% |
| Q4 2024 | $335.0M | $310.6M | $221.3M | $19.8M | $-676K | -0.21% | 2.77% | 0.39% |
| Q3 2024 | $323.5M | $299.6M | $213.5M | $21.0M | $-726K | -0.31% | 2.75% | 0.31% |
Loan mix (Q2 2026): real estate $210.2M · commercial $17.0M · consumer $7.0M · securities $54.0M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.96% | 31th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 62.9% | 93th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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