First National Bank of Decatur County: how it compares with its peers
Against 71 GA banks with half to twice its assets, First National Bank of Decatur County's strongest measure in Q2 2026 is assets per employee ($5.8M vs. a $6.8M peer median). Its weakest relative measure is efficiency ratio (89.31% vs. 57.33%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.26% | 1.58% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.59% | 4.66% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 89.31% | 57.33% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.8M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.23% | 79.37% | Context |
What it means for lending operations
Its efficiency ratio of 89.31% is above the 57.33% 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
- Rabun County Bank Clayton, GA · $362M
- Flint Community Bank Albany, GA · $357M
- First National Bank of Griffin Griffin, GA · $368M
- First Southern Bank Waycross, GA · $347M
- Georgia Community Bank Albany, GA · $375M
- Altamaha Bank & Trust Company Vidalia, GA · $334M
Questions about First National Bank of Decatur County
How big is First National Bank of Decatur County?
First National Bank of Decatur County, established in 2004, is headquartered in Bainbridge, GA. It reported $360M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First National Bank of Decatur County's return on assets?
0.26% annualized in Q2 2026, against a 1.58% median for 71 GA banks with half to twice its assets, ahead of 6% of them.
What is First National Bank of Decatur County's efficiency ratio?
89.31% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 57.33%, and lower is better.
Is First National Bank of Decatur County growing its loans?
Net loans grew 11.8% over the year to Q2 2026, while deposits grew 3.8%.
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.