First National Community Bank
Chatsworth, GA
IDRSSD: 450632
Total Assets
$703.24M
Latest filing
Total Deposits
$604.83M
Latest filing
Net Interest Margin
5.15%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061102594CHATSWORTH, GA
Key People
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Locations
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Main Office
First National Community Bank
701 N 3rd Ave
Chatsworth, GA 30705
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/18/1975FDIC Certificate 15342
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First National Community Bank (Main) | 701 N 3rd Ave | Chatsworth, GA |
| ROME BRANCH - BROAD STREET | 501 Broad St | Rome, GA |
| ETON BRANCH | 3400 Hwy 411 North | Eton, GA |
| DALTON OFFICE | 362 Northgate Dr | Dalton, GA |
| ADAIRSVILLE BRANCH | 7741 Adairsville Hwy | Adairsville, GA |
| ROME BRANCH - SHORTER AVENUE | 2211 Shorter Ave Sw | Rome, GA |
| CARTERSVILLE BRANCH | 325 Cherokee Pl | Cartersville, GA |
| CALHOUN BRANCH | 1300 Lovers Lane Rd Se | Calhoun, GA |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 08/18/1975 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30705 |
| State and County Number | 13213 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Dalton, GA |
Operational Info
| Number of Employees | 108 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/18/1975 |
| Primary Insurance Agency | DIF |
| Website | www.FNCBank.com |
| Data Updated | 01/30/2026 |
| CERT | 22092 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $703.24M |
| Total Deposits | $604.83M |
| Total Liabilities | $607.86M |
| Total Equity Capital | $95.38M |
| Net Income | $3.72M |
| Net Loans and Leases | $489.45M |
| Assets Per Employee ($Millions) | $6.34M |
| Bank Premises and Fixed Assets | $13.58M |
| Cash and Balances due from Depository Institutions | $166.52M |
| Deposits Held in Domestic Offices | $604.83M |
Key Performance Ratios
| Return on Assets (ROA) | 2.11% |
| Return on Equity (ROE) | 15.86% |
| Net Interest Margin | 5.15% |
| Efficiency Ratio | 46.88% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.562% |
| Earning Assets to total Assets | 95.2% |
Income and Expense
| Total Interest Income | $11.70M |
| Total Noninterest Income | $876.00k |
| Total Interest Expense | $3.04M |
| Total Noninterest Expense | $4.51M |
| Net Interest Income | $8.67M |
| Pre-tax Net Operating Income | $4.76M |
| Provision for Credit Losses | $270.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $770.00k |
| All Other Liabilities | $2.26M |
| Total Liabilities and Capital | $703.24M |
Securities
| Securities | $21.29M |
| Available-for-sale debt securities | $21.28M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $12.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Community Bank?
$703.24M as of the latest filing.
How much are First National Community Bank's total deposits?
$604.83M in total deposits.
Where is First National Community Bank located?
Chatsworth, GA.
What is the Net Interest Margin?
5.15%.
How many domestic offices does it operate?
11.
When was it established?
08/18/1975.
What is the Return on Assets (ROA)?
2.11%.
How much are total loans and leases?
$489.45M (latest filing).
What is the total interest income (latest filing)?
$11.70M.