Is First Chatham Bank Safe?
First Chatham Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (59/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 19.12% | 100/100 |
| Nonperforming Loan Ratio | 2.04% | 59/100 |
| Liquidity Ratio | 34.22% | 100/100 |
| Return on Assets | 2.65% | 100/100 |
| Total Assets | $0.6B | |
How does First Chatham Bank compare?
With a Bank Health Score of 88/100, First Chatham Bank sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Georgia, where 123 FDIC-insured banks are headquartered, First Chatham Bank ranks above the state average of 76/100 (Grade B).
The bank's Tier 1 capital ratio of 19.12% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 2.04% is elevated, signaling stressed loans on the balance sheet.
What changed in the last year?
Over the last four quarters, First Chatham Bank's Bank Health Score fell by 1.0 points to 88/100. Tier 1 capital strengthened by 1.18 percentage points to 19.12%. Quarter-over-quarter, the score rose by 1.0 points.
First Chatham Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (59/100).