TellerScore

Headquartered in Chatsworth, Georgia, First National Community Bank is a national bank with $754.7M in total assets and $653.2M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1975.

First National Community Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 28th. Earnings contributes the most (96/100, 1.90%); funding & liquidity contributes the least (64/100, 82% loans-to-deposits, 28% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.92%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.43%
Earnings96/100
Return on assets (annualized): 1.90%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 81.6% · 28.2% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.21%

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 7 points (77 → 84), mostly because the loan quality component improved by 23 points.

TellerScore
778287Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202485
Q4 202487
Q1 202586
Q2 202577
Q3 202582
Q4 202583
Q1 202685
Q2 202684
Tier 1 leverage ratio
5.00%9.25%13.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.45%
Q3 202412.98%
Q4 202413.34%
Q1 202513.20%
Q2 202512.94%
Q3 202512.88%
Q4 202513.06%
Q1 202613.50%
Q2 202612.92%
Noncurrent loans
0.22%0.66%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.46%
Q3 20240.32%
Q4 20240.22%
Q1 20250.30%
Q2 20251.11%
Q3 20250.50%
Q4 20250.54%
Q1 20260.46%
Q2 20260.43%
Return on assets
1.72%1.83%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.83%
Q3 20241.90%
Q4 20241.93%
Q1 20251.86%
Q2 20251.84%
Q3 20251.72%
Q4 20251.83%
Q1 20261.87%
Q2 20261.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$754.7M12.92%0.43%1.90%81.6%
Q1 202685$721.4M13.50%0.46%1.87%82.3%
Q4 202583$703.2M13.06%0.54%1.83%80.9%
Q3 202582$711.4M12.88%0.50%1.72%82.1%
Q2 202577$699.2M12.94%1.11%1.84%86.1%
Q1 202586$678.6M13.20%0.30%1.86%86.4%
Q4 202487$650.0M13.34%0.22%1.93%87.9%
Q3 202485$626.0M12.98%0.32%1.90%89.1%
Q2 202482$648.9M12.45%0.46%1.83%83.6%

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 ratio12.92%
74th
Total risk-based capital0.00%
24th
Problem loans0.43%
49th
Net charge-offs-0.01%
90th
Return on assets1.90%
84th
Net interest margin4.96%
91st
Efficiency ratio48.4%
86th
Loans to deposits81.6%
46th
Uninsured deposits28.2%
34th
Loan-loss reserves1.31%
64th
Texas ratio2.2%
56th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Oconee State BankBank Watkinsville, GA44 out of 100, Below average$744.1M10.0%2.83%vs
Fnb SouthBank Alma, GA95 out of 100, Very strong$734.8M16.2%0.00%vs
Citizens Trust BankBank Atlanta, GA71 out of 100, Strong$790.3M13.2%1.63%vs
PromiseOne BankBank Duluth, GA68 out of 100, Moderate$812.2M10.1%0.81%vs
Barwick Banking CompanyBank Barwick, GA57 out of 100, Moderate$829.6M8.7%0.49%vs
First Century Bank, National AssociationBank Commerce, GA90 out of 100, Very strong$831.6M16.8%0.00%vs

Deposit insurance

Is my money safe at First National Community Bank?

Yes. First National Community Bank is an FDIC-insured institution (FDIC certificate #22092). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.2% of deposits ($184.3M) 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 12.92%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

First National Community Bank lists 10 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Community Bank reported 81 home-loan applications under HMDA (LEI 549300STIW51KDGL2B62): 60 originated ($16,910,000 total), 7 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, 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.

Identity & history

Profile

Legal name
First National Community Bank
Former names
The First National Bank of Chatsworth
Type
National bank
FDIC certificate #
22092
RSSD ID
450632
Primary regulator
OCC
Holding company
First Chatsworth Bankshares
Established
August 18, 1975
Headquarters
701 N 3rd Ave, Chatsworth, GA 30705
Employees
107

Quick answers

First National Community Bank: common questions

Is First National Community Bank FDIC insured?

Yes. First National Community Bank is an FDIC-insured institution (FDIC certificate #22092). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Community Bank'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 Community Bank ever failed?

There is no failure record for FDIC certificate #22092 in the FDIC failed bank list.

How many branches does First National Community Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Chatsworth

InstitutionScoreAssetsCapitalProblem loansCompare
Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN85 out of 100, Very strong$76.0M16.9%0.39%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs
Peoples Bank of East TennesseeBank Madisonville, TN78 out of 100, Strong$456.1M10.9%0.37%vs
River City BankBank Rome, GA77 out of 100, Strong$423.4M10.1%0.00%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Comtrust Federal Credit UnionCredit union Chattanooga, TN74 out of 100, Strong$429.7M11.4%0.41%vs