Headquartered in Griffin, Georgia, First National Bank of Griffin is a national bank with $368.3M in total assets and $321.3M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1933.
Based on its Q2 2026 filing, First National Bank of Griffin scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 29th. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is capital cushion (64/100; 11.41%).
TellerScore · Q2 2026
Scorecard
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 (84 → 84).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 77 |
| Q4 2024 | 79 |
| Q1 2025 | 83 |
| Q2 2025 | 84 |
| Q3 2025 | 84 |
| Q4 2025 | 84 |
| Q1 2026 | 82 |
| Q2 2026 | 84 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.70% |
| Q3 2024 | 9.81% |
| Q4 2024 | 10.08% |
| Q1 2025 | 10.48% |
| Q2 2025 | 10.63% |
| Q3 2025 | 11.03% |
| Q4 2025 | 11.13% |
| Q1 2026 | 11.32% |
| Q2 2026 | 11.41% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.12% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.35% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.37% |
| Q1 2025 | 1.74% |
| Q2 2025 | 1.74% |
| Q3 2025 | 1.68% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.39% |
| Q2 2026 | 1.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $368.3M | 11.41% | 0.04% | 1.45% | 56.6% |
| Q1 2026 | 82 | $377.5M | 11.32% | 0.12% | 1.39% | 55.5% |
| Q4 2025 | 84 | $365.9M | 11.13% | 0.12% | 1.64% | 56.0% |
| Q3 2025 | 84 | $368.1M | 11.03% | 0.13% | 1.68% | 52.3% |
| Q2 2025 | 84 | $367.9M | 10.63% | 0.13% | 1.74% | 48.0% |
| Q1 2025 | 83 | $370.9M | 10.48% | 0.16% | 1.74% | 43.9% |
| Q4 2024 | 79 | $360.6M | 10.08% | 0.19% | 1.37% | 45.4% |
| Q3 2024 | 77 | $357.8M | 9.81% | 0.24% | 1.37% | 42.7% |
| Q2 2024 | 78 | $365.6M | 9.70% | 0.08% | 1.35% | 40.3% |
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).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Georgia Community BankBank Albany, GA | 78 out of 100, Strong | $375.0M | 13.7% | 1.25% | vs |
| Rabun County BankBank Clayton, GA | 81 out of 100, Strong | $361.5M | 10.5% | 0.05% | vs |
| First National Bank of Decatur CountyBank Bainbridge, GA | 55 out of 100, Moderate | $359.6M | 7.4% | 0.36% | vs |
| Flint Community BankBank Albany, GA | 54 out of 100, Below average | $357.1M | 9.1% | 2.05% | vs |
| First Southern BankBank Waycross, GA | 74 out of 100, Strong | $347.2M | 10.9% | 0.01% | vs |
| Citizens Bank of the SouthBank Sandersville, GA | 76 out of 100, Strong | $395.1M | 11.9% | 0.45% | vs |
Deposit insurance
Is my money safe at First National Bank of Griffin?
Yes. First National Bank of Griffin is an FDIC-insured institution (FDIC certificate #169). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.7% of deposits ($50.5M) 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 11.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.72% (benchmark: 10%).
6 locations
Branches
First National Bank of Griffin lists 6 offices in 3 cities. Most locations:
- Griffin, GA (4)
- Hampton, GA (1)
- Locust Grove, GA (1)
Identity & history
Profile
- Legal name
- First National Bank of Griffin
- Former names
- The State Bank
- Type
- National bank
- FDIC certificate #
- 169
- RSSD ID
- 563233
- Primary regulator
- OCC
- Established
- May 12, 1933
- Headquarters
- 318 S Hill St, Griffin, GA 30224
- Website
- www.fnbgriffin.com
- Employees
- 81
Quick answers
First National Bank of Griffin: common questions
Is First National Bank of Griffin FDIC insured?
Yes. First National Bank of Griffin is an FDIC-insured institution (FDIC certificate #169). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank of Griffin's TellerScore?
84 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 Griffin ever failed?
There is no failure record for FDIC certificate #169 in the FDIC failed bank list.
How many branches does First National Bank of Griffin have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Griffin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| Members Trust Federal Credit UnionCredit union Mason, OH | 87 out of 100, Very strong | $23.4M | 19.1% | 0.05% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Delta Community Credit UnionCredit union Atlanta, GA | 81 out of 100, Strong | $9.1B | 12.6% | 0.22% | vs |
| First Peoples BankBank Pine Mountain, GA | 77 out of 100, Strong | $449.4M | 12.8% | 0.12% | vs |