TellerScore

Douglas National Bank (FDIC certificate #57230) is based in Douglas, Georgia. Its Q2 2026 call report shows $326.9M in total assets and $294.7M in deposits and 1 office.

Douglas National Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 49th. Earnings contributes the most (100/100, 3.51%); funding & liquidity contributes the least (51/100, 85% loans-to-deposits, 37% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.33%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings100/100
Return on assets (annualized): 3.51%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 84.8% · 37.2% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.75%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 78).

TellerScore
727679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202476
Q4 202474
Q1 202572
Q2 202577
Q3 202579
Q4 202579
Q1 202675
Q2 202678
Tier 1 leverage ratio
5.00%7.97%10.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.26%
Q3 202410.43%
Q4 20249.56%
Q1 20259.15%
Q2 20259.68%
Q3 202510.40%
Q4 202510.95%
Q1 20269.93%
Q2 202610.33%
Noncurrent loans
0.08%0.31%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.51%
Q3 20240.55%
Q4 20240.50%
Q1 20250.49%
Q2 20250.08%
Q3 20250.08%
Q4 20250.13%
Q1 20260.29%
Q2 20260.10%
Return on assets
2.90%3.21%3.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.95%
Q3 20243.05%
Q4 20242.98%
Q1 20252.90%
Q2 20253.09%
Q3 20253.20%
Q4 20253.25%
Q1 20263.50%
Q2 20263.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$326.9M10.33%0.10%3.51%84.8%
Q1 202675$331.6M9.93%0.29%3.50%79.7%
Q4 202579$324.6M10.95%0.13%3.25%80.7%
Q3 202579$309.7M10.40%0.08%3.20%82.0%
Q2 202577$330.7M9.68%0.08%3.09%74.3%
Q1 202572$326.6M9.15%0.49%2.90%73.3%
Q4 202474$354.8M9.56%0.50%2.98%66.1%
Q3 202476$290.3M10.43%0.55%3.05%82.6%
Q2 202474$286.3M10.26%0.51%2.95%81.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.33%
38th
Total risk-based capital15.60%
71st
Problem loans0.10%
73rd
Net charge-offs0.03%
35th
Return on assets3.51%
99th
Net interest margin5.35%
96th
Efficiency ratio41.7%
94th
Loans to deposits84.8%
38th
Uninsured deposits37.2%
14th
Loan-loss reserves1.00%
26th
Texas ratio0.8%
73rd

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of NewingtonBank Newington, GA69 out of 100, Moderate$333.8M9.1%0.48%vs
Altamaha Bank & Trust CompanyBank Vidalia, GA74 out of 100, Strong$334.1M10.2%0.32%vs
Classic City BankBank Athens, GA80 out of 100, Strong$314.3M11.0%0.00%vs
United National BankBank Cairo, GA65 out of 100, Moderate$308.7M14.8%2.15%vs
First Southern BankBank Waycross, GA74 out of 100, Strong$347.2M10.9%0.01%vs
Craft BankBank Atlanta, GA68 out of 100, Moderate$305.9M13.8%1.61%vs

Deposit insurance

Is my money safe at Douglas National Bank?

Yes. Douglas National Bank is an FDIC-insured institution (FDIC certificate #57230). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.2% of deposits ($109.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.60% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Douglas National Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Douglas National Bank
Type
National bank
FDIC certificate #
57230
RSSD ID
3049635
Primary regulator
OCC
Holding company
Dnb Financial Services Inc
Established
November 19, 2001
Headquarters
211 Ward St E, Douglas, GA 31533
Employees
34

Quick answers

Douglas National Bank: common questions

Is Douglas National Bank FDIC insured?

Yes. Douglas National Bank is an FDIC-insured institution (FDIC certificate #57230). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Douglas National Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Douglas National Bank ever failed?

There is no failure record for FDIC certificate #57230 in the FDIC failed bank list.

How many branches does Douglas National Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Douglas

InstitutionScoreAssetsCapitalProblem loansCompare
Fnb SouthBank Alma, GA95 out of 100, Very strong$734.8M16.2%0.00%vs
Interstate Credit UnionCredit union Jesup, GA89 out of 100, Very strong$410.9M15.8%0.54%vs
Pineland BankBank Alma, GA75 out of 100, Strong$597.1M10.5%0.49%vs
The Peoples BankBank Willacoochee, GA73 out of 100, Strong$109.3M12.4%0.89%vs
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs
First National Bank of Coffee CountyBank Douglas, GA70 out of 100, Strong$547.5M8.8%0.24%vs