First National Bank of Decatur County
Bainbridge, Georgia, Decatur County
$360M in total assets, the 2,237th largest of 4,309 US banks and 60th of 125 headquartered in Georgia.
- FDIC certificate
- 57694
- Established
- 2004
- Owned by
- Bainbridge Bancshares Inc
- Primary regulator
- OCC
- Website
- http://www.fnbdc.com
At a glance
Compared with 98 banks headquartered in Georgia with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $360M | 53% | $334M | |
| Loans | $268M | 59% | $239M | |
| Deposits | $331M | 57% | $298M | |
| Return on assets | 0.23% | 2% | 1.56% | |
| Net interest margin | 3.59% | 13% | 4.57% | |
| Efficiency ratio | 89.3% | 98% | 57.5% | |
| Equity to assets | 6.32% | 2% | 10.90% | |
| Loans to deposits | 81% | 54% | 79% |
Growth
Total assets grew 9.9% a year over the last 5 years and 12.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2016 | Citizens Bank Cairo, GA | $31M |
Where they operate
6 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Decatur County, GA | $170M | 23.3% | 2 of 7 |
| Colquitt County, GA | $88M | 8.4% | 4 of 8 |
| Grady County, GA | $56M | 10.1% | 5 of 5 |
| Walton County, FL | $12M | 0.4% | 20 of 20 |
| Lee County, GA | $5M | 1.0% | 6 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 5 branches since 2016 (1 to 6, +500.0%). 4 opened, 1 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 1 | |||
| 2016 | Acquired Citizens Bank | 1 | 0 | +1 | 2 |
| 2021 | Opened Moultrie | 1 | 0 | +1 | 3 |
| 2023 | Opened Miramar Beach | 1 | 0 | +1 | 4 |
| 2024 | Opened Leesburg | 1 | 0 | +1 | 5 |
| 2025 | Opened Bainbridge | 1 | 0 | +1 | 6 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 37% | 30% | |
| Commercial real estate | 27% | 32% | |
| Construction and land | 9% | 12% | |
| Business (C&I) | 6% | 9% | |
| Farmland | 4% | 7% | |
| Consumer | 3% | 4% | |
| Multifamily | 2% | 3% | |
| Agricultural | 2% | 2% | |
| Other | 11% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 42% | 30% | |
| Other interest-bearing | 41% | 44% | |
| Noninterest-bearing | 17% | 26% |
Brokered deposits are 16.9% of deposits (peers 2.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.36% | 0.31% |
| Net charge-offs, annualized | 0.04% | 0.00% |
| Reserves to loans | 0.92% | 1.37% |
| Leverage ratio | 7.42% | 11.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Georgia
Largest competitors in Decatur County, GA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/first-decatur-county