D
First National Bank of Decatur County
Rating Date
October 2025
Risk Based
Capital Ratio
11.90
Leverage
Ratio
7.57
Return On
Assets
0.23%
Total
Assets
341.20M
Capital
22.01M
Total
Deposits
315.37M
Net
Income
583.00K
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Weiss Ratings First National Bank of Decatur County
Bainbridge, GA 		Click to
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Rating D
Asset Quality Index 6.10
Capitalization Index 5.60
Liquidity Index 0.50
Profitability Index 1.40
Stability Index 2.20
Company Info First National Bank of Decatur County
Bainbridge, GA 		Click to
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FDIC Number 57694
Phone Number (229) 246-3131
Website www.fnbdc.com
Asset Quality First National Bank of Decatur County
Bainbridge, GA 		Click to
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1-Year Asset Growth 5.46%
5-Year Asset Growth 14.50%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 0.34%
Non-Performing Loans to Capital 4.06%
Non-Performing Loans to Loans 0.47%
Balance Sheet First National Bank of Decatur County
Bainbridge, GA 		Click to
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Total Assets 341.20M
Total Deposits 315.37M
Capital and Reserves First National Bank of Decatur County
Bainbridge, GA 		Click to
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Capital 22.01M
Leverage Ratio 7.57
Loan Loss Reserves to Loans 0.99%
Risk-Based Capital Ratio 11.90
Liquidity First National Bank of Decatur County
Bainbridge, GA 		Click to
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Hot Money Ratio 37.44%
Liquidity Ratio 13.99%
Profitability First National Bank of Decatur County
Bainbridge, GA 		Click to
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5-Year Return on Average Assets 0.30%
Net Income 583.00K
Net Interest Spread 3.26%
Operating Profit to Average Assets 0.25%
Overhead Efficiency Ratio 91.68%
Return on Assets 0.23%
Return on Equity 3.76%