First Nb of Decatur County
Bainbridge, Georgia · FDIC Cert #57694
First Nb of Decatur County is an FDIC-insured bank (Certificate #57694) with $305M in total assets and $283M in total deposits as of the Q2 2024 Call Report. Headquartered in Bainbridge, Georgia, the bank maintains a Tier 1 capital ratio of 11.49% (Well-Capitalized) and a nonperforming loan ratio of 0.55%. BankHealthData assigns a composite Health Grade of B (73/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb of Decatur County (FDIC cert 57694) is a community bank — $305M in total assets, $283M in deposits, serving the Bainbridge, Georgia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.49% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.55% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 25.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.32% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First Nb of Decatur County carries a composite BankHealth grade of B (73/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb of Decatur County
- Total Assets
- $305M
- Total Deposits
- $283M
- Tier 1 Capital Ratio
- 11.49%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.55%
- Liquidity Ratio
- 25.42%
- Return on Assets
- -0.32%
- Headquarters
- Bainbridge, Georgia
- FDIC Certificate
- #57694
- Health Grade
- B (73/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb of Decatur County holds a Tier 1 capital ratio of 11.49%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of Decatur County has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of Decatur County shows strong financial health indicators. With $305M in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb of Decatur County Compares
First Nb of Decatur County’s Health Score of 73 is 3 points below the Georgia state average of 76 across 123 FDIC-insured banks. Its 11.49% Tier 1 capital ratio is 2.5 points below the US banking industry average near 14%. The 0.55% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.32% is below the national ROA benchmark of ~1.1%. Among 1592 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, First Nb of Decatur County is 3 points above the portfolio average of 70.
Frequently Asked Questions
First Nb of Decatur County has a Bank Health Score of B (73/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.49%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb of Decatur County's Tier 1 capital ratio of 11.49% and nonperforming loan ratio of 0.55% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb of Decatur County is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57694). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb of Decatur County holds $305M in total assets and $283M in total deposits. It is headquartered in Bainbridge, Georgia (FDIC Certificate #57694).
First Nb of Decatur County has a Tier 1 capital ratio of 11.49%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.55%, and the return on assets is -0.32%.
Yes. First Nb of Decatur County is FDIC-insured (Certificate #57694). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb of Decatur County's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.