TellerScore

Headquartered in Zebulon, Georgia, First Bank of Pike is a state-chartered bank with $87.5M in total assets and $77.8M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1899.

Based on its Q2 2026 filing, First Bank of Pike scores 70/100, which we describe as strong. That is higher than only 40% of 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 82nd. Its strongest component is problem-loan coverage (91/100; 4.6%), and its lowest is capital cushion (49/100; 9.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.91%
Loan quality74/100
Noncurrent loans ÷ total loans: 0.79%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 69.2% · 19.0% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.60%

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

From Q2 2025 to Q2 2026, the score rose 6 points (64 → 70), mostly because the loan quality component improved by 14 points.

TellerScore
626670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202464
Q4 202462
Q1 202563
Q2 202564
Q3 202564
Q4 202562
Q1 202665
Q2 202670
Tier 1 leverage ratio
5.00%7.50%10.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.79%
Q3 202410.01%
Q4 20249.88%
Q1 20259.93%
Q2 20259.91%
Q3 20259.59%
Q4 20259.42%
Q1 20269.24%
Q2 20269.91%
Noncurrent loans
0.79%1.07%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.83%
Q3 20241.19%
Q4 20241.35%
Q1 20251.21%
Q2 20251.19%
Q3 20251.22%
Q4 20251.23%
Q1 20261.06%
Q2 20260.79%
Return on assets
0.97%1.14%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.09%
Q3 20241.02%
Q4 20240.99%
Q1 20250.97%
Q2 20251.17%
Q3 20251.17%
Q4 20251.10%
Q1 20261.28%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$87.5M9.91%0.79%1.30%69.2%
Q1 202665$89.9M9.24%1.06%1.28%67.1%
Q4 202562$85.9M9.42%1.23%1.10%69.9%
Q3 202564$86.4M9.59%1.22%1.17%68.3%
Q2 202564$83.6M9.91%1.19%1.17%70.2%
Q1 202563$79.0M9.93%1.21%0.97%73.5%
Q4 202462$74.1M9.88%1.35%0.99%71.5%
Q3 202464$75.4M10.01%1.19%1.02%73.8%
Q2 202467$74.9M9.79%0.83%1.09%73.6%

546 peers · Under $100 million in assets

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 ratio9.91%
18th
Total risk-based capital18.35%
70th
Problem loans0.79%
39th
Net charge-offs0.11%
17th
Return on assets1.30%
67th
Net interest margin5.67%
96th
Efficiency ratio73.6%
44th
Loans to deposits69.2%
45th
Uninsured deposits19.0%
37th
Loan-loss reserves1.62%
75th
Texas ratio4.6%
34th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
F & M Bank and Trust CompanyBank Manchester, GA69 out of 100, Moderate$87.4M10.2%0.52%vs
The Four County BankBank Allentown, GA87 out of 100, Very strong$87.1M13.8%0.68%vs
First State Bank of Randolph CountyBank Cuthbert, GA27 out of 100, Low$86.9M8.3%4.53%vs
Rochelle State BankBank Rochelle, GA29 out of 100, Low$85.6M8.0%3.40%vs
Bank of Hancock CountyBank Sparta, GA81 out of 100, Strong$85.2M20.2%0.82%vs
The Bank of EdisonBank Edison, GA60 out of 100, Moderate$83.9M9.1%1.79%vs

Deposit insurance

Is my money safe at First Bank of Pike?

Yes. First Bank of Pike is an FDIC-insured institution (FDIC certificate #9070). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.0% of deposits ($14.8M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.35% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

First Bank of Pike lists 2 offices in 2 cities. Most locations:

  • Molena, GA (1)
  • Zebulon, GA (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Bank of Pike
Former names
Bank of Molena
Type
State-chartered bank
FDIC certificate #
9070
RSSD ID
760939
Primary regulator
FDIC
Established
January 1, 1899
Headquarters
15 Jackson St, Zebulon, GA 30295
Employees
22

Quick answers

First Bank of Pike: common questions

Is First Bank of Pike FDIC insured?

Yes. First Bank of Pike is an FDIC-insured institution (FDIC certificate #9070). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Bank of Pike's TellerScore?

70 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 First Bank of Pike ever failed?

There is no failure record for FDIC certificate #9070 in the FDIC failed bank list.

How many branches does First Bank of Pike have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Zebulon

InstitutionScoreAssetsCapitalProblem loansCompare
West Central Georgia BankBank Thomaston, GA97 out of 100, Very strong$160.4M22.2%0.04%vs
United BankBank Zebulon, GA89 out of 100, Very strong$2.2B12.8%0.23%vs
First National Bank of GriffinBank Griffin, GA84 out of 100, Strong$368.3M11.4%0.04%vs
Delta Community Credit UnionCredit union Atlanta, GA81 out of 100, Strong$9.1B12.6%0.22%vs
First Peoples BankBank Pine Mountain, GA77 out of 100, Strong$449.4M12.8%0.12%vs
The Southern Credit UnionCredit union Fayetteville, GA76 out of 100, Strong$560.2M11.6%0.10%vs