TellerScore

First National Bank of Coffee County (FDIC certificate #33506) is based in Douglas, Georgia. Its Q2 2026 call report shows $547.5M in total assets and $494.7M in deposits and 5 offices across 2 states.

First National Bank of Coffee County has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 81st. Problem-loan coverage contributes the most (97/100, 1.3%); capital cushion contributes the least (38/100, 8.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.85%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.24%
Earnings77/100
Return on assets (annualized): 1.41%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 56.3% · 43.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.34%

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 fell 5 points (75 → 70), mostly because the loan quality component weakened by 8 points.

TellerScore
687276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202471
Q4 202471
Q1 202572
Q2 202575
Q3 202576
Q4 202576
Q1 202669
Q2 202670
Tier 1 leverage ratio
5.00%7.24%9.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.70%
Q3 20248.84%
Q4 20248.73%
Q1 20258.23%
Q2 20259.00%
Q3 20259.34%
Q4 20259.48%
Q1 20268.72%
Q2 20268.85%
Noncurrent loans
0.00%0.13%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.17%
Q3 20240.04%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.26%
Q2 20260.24%
Return on assets
1.10%1.36%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20241.10%
Q4 20241.19%
Q1 20251.46%
Q2 20251.62%
Q3 20251.57%
Q4 20251.53%
Q1 20261.37%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$547.5M8.85%0.24%1.41%56.3%
Q1 202669$551.6M8.72%0.26%1.37%50.4%
Q4 202576$518.6M9.48%0.00%1.53%51.5%
Q3 202576$495.3M9.34%0.00%1.57%54.3%
Q2 202575$503.1M9.00%0.00%1.62%54.6%
Q1 202572$502.9M8.23%0.00%1.46%54.1%
Q4 202471$504.0M8.73%0.00%1.19%55.0%
Q3 202471$471.9M8.84%0.04%1.10%59.6%
Q2 202468$485.0M8.70%0.17%1.11%56.1%

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 ratio8.85%
10th
Total risk-based capital18.96%
84th
Problem loans0.24%
62nd
Net charge-offs-0.00%
83rd
Return on assets1.41%
60th
Net interest margin3.84%
45th
Efficiency ratio63.4%
47th
Loans to deposits56.3%
86th
Uninsured deposits43.2%
8th
Loan-loss reserves1.37%
70th
Texas ratio1.3%
65th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Sunmark Community BankBank Perry, GA92 out of 100, Very strong$556.6M14.6%0.02%vs
Bank of DudleyBank Dudley, GA69 out of 100, Moderate$537.9M9.6%0.12%vs
Peoples Bank & TrustBank Buford, GA76 out of 100, Strong$563.3M10.8%0.16%vs
South Georgia Banking CompanyBank Omega, GA85 out of 100, Very strong$570.1M13.9%0.55%vs
First State BankBank Wrens, GA77 out of 100, Strong$512.7M10.5%0.32%vs
Citizens Bank of AmericusBank Americus, GA77 out of 100, Strong$511.1M10.3%0.09%vs

Deposit insurance

Is my money safe at First National Bank of Coffee County?

Yes. First National Bank of Coffee County is an FDIC-insured institution (FDIC certificate #33506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 43.2% of deposits ($213.5M) 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 8.85%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.96% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

First National Bank of Coffee County lists 5 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank of Coffee County reported 84 home-loan applications under HMDA (LEI 254900GACVFC2JIZYT69): 83 originated ($14,265,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First National Bank of Coffee County
Type
National bank
FDIC certificate #
33506
RSSD ID
1892154
Primary regulator
OCC
Holding company
Fnc Bcorp Inc
Established
September 23, 1991
Headquarters
420 Madison Ave S, Douglas, GA 31533
Employees
67

Quick answers

First National Bank of Coffee County: common questions

Is First National Bank of Coffee County FDIC insured?

Yes. First National Bank of Coffee County is an FDIC-insured institution (FDIC certificate #33506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of Coffee County'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 National Bank of Coffee County ever failed?

There is no failure record for FDIC certificate #33506 in the FDIC failed bank list.

How many branches does First National Bank of Coffee County have?

5 offices as of the latest FDIC data, in 2 states.

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
Douglas National BankBank Douglas, GA78 out of 100, Strong$326.9M10.3%0.10%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