First National Bank of Decatur County
Bainbridge, GA
IDRSSD: 3232370
Total Assets
$341.20M
Latest filing
Total Deposits
$315.37M
Latest filing
Net Interest Margin
3.52%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank of Decatur County
819 E Shotwell St
Bainbridge, GA 39819
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/05/2004FDIC Certificate 419971
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank of Decatur County (Main) | 819 E Shotwell St | Bainbridge, GA |
| CAIRO BRANCH | 600 N Broad St | Cairo, GA |
| MOULTRIE BRANCH | 26 S Main St | Moultrie, GA |
| MIRAMAR BEACH BRANCH | 91 Scenic Gulf Dr | Miramar Beach, FL |
| LEESBURG BRANCH | 1559 Us Highway 19 S | Leesburg, GA |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 04/05/2004 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39819 |
| State and County Number | 13087 |
| 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 | Bainbridge, GA |
Operational Info
| Number of Employees | 56 |
| Domestic Offices | 5 |
| 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 | 04/05/2004 |
| Primary Insurance Agency | DIF |
| Website | http://www.fnbdc.com |
| Data Updated | 11/14/2025 |
| CERT | 57694 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $341.20M |
| Total Deposits | $315.37M |
| Total Liabilities | $319.19M |
| Total Equity Capital | $22.01M |
| Net Income | $341.00k |
| Net Loans and Leases | $243.79M |
| Assets Per Employee ($Millions) | $6.09M |
| Bank Premises and Fixed Assets | $12.65M |
| Cash and Balances due from Depository Institutions | $15.28M |
| Deposits Held in Domestic Offices | $315.37M |
Key Performance Ratios
| Return on Assets (ROA) | 0.4% |
| Return on Equity (ROE) | 6.4% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 85.98% |
| Tier 1 Risk-Based Capital Ratio | 10.802% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.452% |
| Earning Assets to total Assets | 90.79% |
Income and Expense
| Total Interest Income | $4.86M |
| Total Noninterest Income | $425.00k |
| Total Interest Expense | $2.13M |
| Total Noninterest Expense | $2.72M |
| Net Interest Income | $2.73M |
| Pre-tax Net Operating Income | $383.00k |
| Provision for Credit Losses | $60.00k |
| 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 | $2.20M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.61M |
| Total Liabilities and Capital | $341.20M |
Securities
| Securities | $58.60M |
| Available-for-sale debt securities | $56.19M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.50M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank of Decatur County?
$341.20M as of the latest filing.
How much are First National Bank of Decatur County's total deposits?
$315.37M in total deposits.
Where is First National Bank of Decatur County located?
Bainbridge, GA.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
5.
When was it established?
04/05/2004.
What is the Return on Assets (ROA)?
0.4%.
How much are total loans and leases?
$243.79M (latest filing).
What is the total interest income (latest filing)?
$4.86M.