Queensborough National Bank & Trust Company
Louisville, GA
IDRSSD: 960935
Total Assets
$2.16B
Latest filing
Total Deposits
$1.93B
Latest filing
Net Interest Margin
3.83%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Queensborough National Bank & Trust Company
113 E Broad St
Louisville, GA 30434
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1902FDIC Certificate 1410
Branches (24)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Queensborough National Bank & Trust Company (Main) | 113 E Broad St | Louisville, GA |
| JONES BRANCH | Jones And North Railroad Streets | Midville, GA |
| MILLEN/WINTHROPE BRANCH | 735 E Winthrope Ave | Millen, GA |
| WADLEY BRANCH | 25 North Main Street | Wadley, GA |
| U.S. 1 BY-PASS BRANCH | 107 Us Highway 1 Byp N | Louisville, GA |
| WAYNESBORO BRANCH | 721 N Liberty St | Waynesboro, GA |
| MAIN STREET BRANCH | 739 N Main St | Wrens, GA |
| SANDERSVILLE BRANCH | 202 N Harris St | Sandersville, GA |
Showing 7 of 24
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 | 01/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30434 |
| State and County Number | 13163 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | N/A |
Operational Info
| Number of Employees | 376 |
| Domestic Offices | 25 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.qnbtrust.bank |
| Data Updated | 11/14/2025 |
| CERT | 2138 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.16B |
| Total Deposits | $1.93B |
| Total Liabilities | $1.97B |
| Total Equity Capital | $189.57M |
| Net Income | $6.19M |
| Net Loans and Leases | $1.27B |
| Assets Per Employee ($Millions) | $5.69M |
| Bank Premises and Fixed Assets | $48.08M |
| Cash and Balances due from Depository Institutions | $122.50M |
| Deposits Held in Domestic Offices | $1.93B |
Key Performance Ratios
| Return on Assets (ROA) | 1.15% |
| Return on Equity (ROE) | 13.38% |
| Net Interest Margin | 3.83% |
| Efficiency Ratio | 62.8% |
| Tier 1 Risk-Based Capital Ratio | 13.876% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.77% |
| Earning Assets to total Assets | 93.1% |
Income and Expense
| Total Interest Income | $27.39M |
| Total Noninterest Income | $5.00M |
| Total Interest Expense | $8.15M |
| Total Noninterest Expense | $15.27M |
| Net Interest Income | $19.24M |
| Pre-tax Net Operating Income | $8.07M |
| Provision for Credit Losses | $900.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $418.00k |
| Other borrowed funds | $31.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $15.76M |
| Total Liabilities and Capital | $2.16B |
Securities
| Securities | $651.45M |
| Available-for-sale debt securities | $386.39M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $265.33M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Queensborough National Bank & Trust Company?
$2.16B as of the latest filing.
How much are Queensborough National Bank & Trust Company's total deposits?
$1.93B in total deposits.
Where is Queensborough National Bank & Trust Company located?
Louisville, GA.
What is the Net Interest Margin?
3.83%.
How many domestic offices does it operate?
25.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
1.15%.
How much are total loans and leases?
$1.27B (latest filing).
What is the total interest income (latest filing)?
$27.39M.