Rabun County Bank
Clayton, GA
IDRSSD: 514936
Total Assets
$348.90M
Latest filing
Total Deposits
$310.42M
Latest filing
Net Interest Margin
4.02%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Rabun County Bank
121 Rickman St
Clayton, GA 30525
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/10/1975FDIC Certificate 15378
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Rabun County Bank (Main) | 121 Rickman St | Clayton, GA |
| NORTH RABUN BRANCH | 7408 Highway 441 N | Dillard, GA |
| TRADITIONS BANK | 210 Cannon Bridge Rd | Cornelia, GA |
| CLARKESVILLE BRANCH | 389 Washington Street | Clarkesville, GA |
Showing 3 of 3
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
Similar banks
First National Bank of Decatur County
Bainbridge, Georgia
→
Assets: $342.94MΔ +0.0%
Citizens Bank of the South
Sandersville, Georgia
→
Assets: $345.83MΔ +0.9%
Southern Bank
Sardis, Georgia
→
Assets: $350.31MΔ +2.2%
Flint Community Bank
Albany, Georgia
→
Assets: $331.02MΔ -3.5%
First Southern Bank
Waycross, Georgia
→
Assets: $330.95MΔ -3.5%
Douglas National Bank
Douglas, Georgia
→
Assets: $330.69MΔ -3.6%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/10/1975 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30525 |
| State and County Number | 13241 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| 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 | 49 |
| Domestic Offices | 4 |
| 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 | 10/10/1975 |
| Primary Insurance Agency | DIF |
| Website | www.rabuncountybank.com |
| Data Updated | 11/14/2025 |
| CERT | 22138 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $348.90M |
| Total Deposits | $310.42M |
| Total Liabilities | $313.41M |
| Total Equity Capital | $35.49M |
| Net Income | $1.16M |
| Net Loans and Leases | $210.71M |
| Assets Per Employee ($Millions) | $7.42M |
| Bank Premises and Fixed Assets | $8.38M |
| Cash and Balances due from Depository Institutions | $112.73M |
| Deposits Held in Domestic Offices | $310.42M |
Key Performance Ratios
| Return on Assets (ROA) | 1.35% |
| Return on Equity (ROE) | 12.88% |
| Net Interest Margin | 4.02% |
| Efficiency Ratio | 58.72% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.172% |
| Earning Assets to total Assets | 94.26% |
Income and Expense
| Total Interest Income | $4.84M |
| Total Noninterest Income | $526.00k |
| Total Interest Expense | $1.56M |
| Total Noninterest Expense | $2.23M |
| Net Interest Income | $3.28M |
| Pre-tax Net Operating Income | $1.52M |
| Provision for Credit Losses | $53.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $396.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.99M |
| Total Liabilities and Capital | $348.90M |
Securities
| Securities | $9.51M |
| Available-for-sale debt securities | $9.51M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Rabun County Bank?
$348.90M as of the latest filing.
How much are Rabun County Bank's total deposits?
$310.42M in total deposits.
Where is Rabun County Bank located?
Clayton, GA.
What is the Net Interest Margin?
4.02%.
How many domestic offices does it operate?
4.
When was it established?
10/10/1975.
What is the Return on Assets (ROA)?
1.35%.
How much are total loans and leases?
$210.71M (latest filing).
What is the total interest income (latest filing)?
$4.84M.