First National Bank of Griffin: how it compares with its peers
Against 72 GA banks with half to twice its assets, First National Bank of Griffin's strongest measure in Q2 2026 is net interest margin (4.69% vs. a 4.65% peer median). Its weakest relative measure is assets per employee ($4.5M vs. $7.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.58% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.69% | 4.65% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.06% | 57.08% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $7.0M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 56.61% | 79.80% | Context |
What it means for lending operations
Its efficiency ratio of 61.06% is above the 57.08% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Georgia Community Bank Albany, GA · $375M
- Rabun County Bank Clayton, GA · $362M
- First National Bank of Decatur County Bainbridge, GA · $360M
- Flint Community Bank Albany, GA · $357M
- First Southern Bank Waycross, GA · $347M
- Citizens Bank of the South Sandersville, GA · $395M
Questions about First National Bank of Griffin
How big is First National Bank of Griffin?
First National Bank of Griffin, established in 1933, is headquartered in Griffin, GA. It reported $368M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First National Bank of Griffin's return on assets?
1.45% annualized in Q2 2026, against a 1.58% median for 72 GA banks with half to twice its assets, ahead of 36% of them.
What is First National Bank of Griffin's efficiency ratio?
61.06% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 57.08%, and lower is better.
Is First National Bank of Griffin growing its loans?
Net loans grew 17.2% over the year to Q2 2026, while deposits shrank 0.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.