First National Community Bank
Chatsworth, GA
IDRSSD: 450632
Total Assets
$711.39M
Latest filing
Total Deposits
$615.63M
Latest filing
Net Interest Margin
5.33%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Community Bank
701 N 3rd Ave
Chatsworth, GA 30705
Full Service - Brick and Mortar
Updated 11/14/2025Established 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 | 112 |
| 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 | 11/14/2025 |
| CERT | 22092 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $711.39M |
| Total Deposits | $615.63M |
| Total Liabilities | $618.97M |
| Total Equity Capital | $92.42M |
| Net Income | $2.63M |
| Net Loans and Leases | $505.49M |
| Assets Per Employee ($Millions) | $6.59M |
| Bank Premises and Fixed Assets | $13.70M |
| Cash and Balances due from Depository Institutions | $157.53M |
| Deposits Held in Domestic Offices | $615.63M |
Key Performance Ratios
| Return on Assets (ROA) | 1.49% |
| Return on Equity (ROE) | 11.58% |
| Net Interest Margin | 5.33% |
| Efficiency Ratio | 45.42% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.991% |
| Earning Assets to total Assets | 95.24% |
Income and Expense
| Total Interest Income | $12.02M |
| Total Noninterest Income | $952.00k |
| Total Interest Expense | $3.08M |
| Total Noninterest Expense | $4.53M |
| Net Interest Income | $8.94M |
| Pre-tax Net Operating Income | $3.49M |
| Provision for Credit Losses | $1.86M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $602.00k |
| All Other Liabilities | $2.74M |
| Total Liabilities and Capital | $711.39M |
Securities
| Securities | $21.78M |
| Available-for-sale debt securities | $21.77M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $13.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Community Bank?
$711.39M as of the latest filing.
How much are First National Community Bank's total deposits?
$615.63M in total deposits.
Where is First National Community Bank located?
Chatsworth, GA.
What is the Net Interest Margin?
5.33%.
How many domestic offices does it operate?
11.
When was it established?
08/18/1975.
What is the Return on Assets (ROA)?
1.49%.
How much are total loans and leases?
$505.49M (latest filing).
What is the total interest income (latest filing)?
$12.02M.