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.

The score has been essentially flat from Q2 2025 to Q2 2026 (56 → 55).

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

Similar-size banks in Georgia

Yes. First National Bank of Decatur County is an FDIC-insured institution (FDIC certificate #57694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.8% of deposits ($72.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.42%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.99% (benchmark: 10%).

Check how much of your own balance is covered

First National Bank of Decatur County lists 6 offices in 5 cities across 2 states. Most locations:

• Bainbridge, GA (2)
• Cairo, GA (1)
• Leesburg, GA (1)
• Miramar Beach, FL (1)
• Moultrie, GA (1)

All branch addresses and map

In 2025, First National Bank of Decatur County reported 75 home-loan applications under HMDA (LEI 254900W44IWNZ2DBCR56): 72 originated ($18,440,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.0%, 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.

Legal name

First National Bank of Decatur County

Type

National bank

FDIC certificate #

57694

RSSD ID

3232370

Primary regulator

OCC

Holding company

Bainbridge Bancshares Inc

Established

April 5, 2004

Headquarters

819 E Shotwell St, Bainbridge, GA 39819

Website

www.fnbdc.com

Employees

62