First National Bank of Coffee County: how it compares with its peers
Against 61 GA banks with half to twice its assets, First National Bank of Coffee County's strongest measure in Q2 2026 is assets per employee ($8.2M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (3.84% vs. 4.64%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.41% | 1.63% | Bottom third Ahead of 30% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.84% | 4.64% | Bottom third Ahead of 15% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.43% | 56.50% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $7.1M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 56.34% | 80.42% | Context |
What it means for lending operations
Its efficiency ratio of 63.43% is above the 56.50% 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
- Sunmark Community Bank Perry, GA · $557M
- Bank of Dudley Dudley, GA · $538M
- Peoples Bank & Trust Buford, GA · $563M
- South Georgia Banking Company Omega, GA · $570M
- First State Bank Wrens, GA · $513M
- Citizens Bank of Americus Americus, GA · $511M
Questions about First National Bank of Coffee County
How big is First National Bank of Coffee County?
First National Bank of Coffee County, established in 1991, is headquartered in Douglas, GA. It reported $547M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First National Bank of Coffee County's return on assets?
1.41% annualized in Q2 2026, against a 1.63% median for 61 GA banks with half to twice its assets, ahead of 30% of them.
What is First National Bank of Coffee County's efficiency ratio?
63.43% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 56.50%, and lower is better.
Is First National Bank of Coffee County growing its loans?
Net loans grew 12.6% over the year to Q2 2026, while deposits grew 9.0%.
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.