D
First National Bank of Decatur County
Rating Date
October 2025
Risk Based
Capital Ratio
11.15
Leverage
Ratio
7.78
Return On
Assets
0.15%
Total
Assets
342.94M
Capital
20.62M
Total
Deposits
318.63M
Net
Income
242.00K
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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 6.20
Capitalization Index 5.80
Liquidity Index 0.60
Profitability Index 1.10
Stability Index 1.90
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 12.37%
5-Year Asset Growth 14.50%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.13%
Non-Performing Assets to Assets 0.32%
Non-Performing Loans to Capital 4.07%
Non-Performing Loans to Loans 0.46%
Balance Sheet First National Bank of Decatur County
Bainbridge, GA 		Click to
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Total Assets 342.94M
Total Deposits 318.63M
Capital and Reserves First National Bank of Decatur County
Bainbridge, GA 		Click to
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Capital 20.62M
Leverage Ratio 7.78
Loan Loss Reserves to Loans 0.99%
Risk-Based Capital Ratio 11.15
Liquidity First National Bank of Decatur County
Bainbridge, GA 		Click to
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Hot Money Ratio 38.00%
Liquidity Ratio 15.33%
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 242.00K
Net Interest Spread 3.20%
Operating Profit to Average Assets 0.15%
Overhead Efficiency Ratio 95.01%
Return on Assets 0.15%
Return on Equity 2.38%