First Nb Of Decatur County (FDIC #57694): Bank Stress & Real-Estate Credit Exposure
First Nb Of Decatur County (FDIC Cert #57694): bank stress 96/100, severe, STABLE over 7 days; parent BAINBRIDGE BANCSHARES INC.
First Nb Of Decatur County (#57694) lends in 5 counties across 2 states; First Nb Of Decatur County (#57694) reaches 46 ZIP codes: Georgia 4 counties, 33 ZIPs; Florida 1 county, 13 ZIPs.
First Nb Of Decatur County (#57694) largest markets: Colquitt County, GA (14 branches, 14 ZIPs) (#57694), Walton County, FL (13 branches, 13 ZIPs) (#57694), Decatur County, GA (16 branches, 8 ZIPs) (#57694), Lee County, GA (7 branches, 7 ZIPs) (#57694), Grady County, GA (6 branches, 6 ZIPs) (#57694).
First Nb Of Decatur County (#57694) reports $359.6 million in total assets; First Nb Of Decatur County (#57694) equity $22.7 million (6.3% of First Nb Of Decatur County (#57694) assets); First Nb Of Decatur County (#57694) domestic deposits $330.8 million; First Nb Of Decatur County (#57694) net income $474,000; First Nb Of Decatur County (#57694) return on assets 0.26%; First Nb Of Decatur County (#57694) return on equity 4.20%; First Nb Of Decatur County (#57694) net interest income $5.8 million; First Nb Of Decatur County (#57694) call report June 30, 2026.
First Nb Of Decatur County (#57694) noncurrent real-estate loans: none reported; First Nb Of Decatur County (#57694) residential -0.01%; First Nb Of Decatur County (#57694) net charge-offs on real estate 0.28%.
First Nb Of Decatur County (#57694) net interest margin 3.59% against an eight-quarter First Nb Of Decatur County (#57694) average of 3.21% (First Nb Of Decatur County (#57694) compression -0.38 points); First Nb Of Decatur County (#57694) rate-exposure score 40/100, First Nb Of Decatur County (#57694) fixed-rate trap 40/100; First Nb Of Decatur County (#57694) risk type credit driven; First Nb Of Decatur County (#57694) rate regime rates elevated, First Nb Of Decatur County (#57694) snapshot October 19, 2026.
First Nb Of Decatur County (#57694) stress score moved from 93.7 on June 22, 2026 to 95.9 on October 19, 2026; First Nb Of Decatur County (#57694) ranged 93.7 to 95.9 over 116 snapshots.
First Nb Of Decatur County (#57694) alerts: 5 counties; top First Nb Of Decatur County (#57694) alert scores: Bainbridge County, GA 29 (low); Cairo County, GA 29 (low); Leesburg County, GA 29 (low); Miramar Beach County, GA 29 (low); Moultrie County, GA 29 (low).