First National Community Bank: how it compares with its peers
Against 44 GA banks with half to twice its assets, First National Community Bank's strongest measure in Q2 2026 is net interest margin (4.96% vs. a 4.51% peer median). Its weakest relative measure is assets per employee ($7.1M vs. $7.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.90% | 1.60% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.96% | 4.51% | Top third Ahead of 84% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.39% | 55.60% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $7.0M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.58% | 79.57% | Context |
What it means for lending operations
Its efficiency ratio of 48.39% is better than the 55.60% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Oconee State Bank Watkinsville, GA · $744M
- FNB SOUTH Alma, GA · $735M
- Citizens Trust Bank Atlanta, GA · $790M
- PromiseOne Bank Duluth, GA · $812M
- Barwick Banking Company Barwick, GA · $830M
Questions about First National Community Bank
How big is First National Community Bank?
First National Community Bank, established in 1975, is headquartered in Chatsworth, GA. It reported $755M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is First National Community Bank's return on assets?
1.90% annualized in Q2 2026, against a 1.60% median for 44 GA banks with half to twice its assets, ahead of 80% of them.
What is First National Community Bank's efficiency ratio?
48.39% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 55.60%, and lower is better.
Is First National Community Bank growing its loans?
Net loans grew 2.2% over the year to Q2 2026, while deposits grew 7.8%.
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.