TellerScore

Flint Community Bank (FDIC certificate #58074) is based in Albany, Georgia. Its Q2 2026 call report shows $357.1M in total assets and $310.4M in deposits and 2 offices.

Based on its Q2 2026 filing, Flint Community Bank scores 54/100, which we describe as below average. That is higher than only 10% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 117th. Its strongest component is earnings (100/100; 2.10%), and its lowest is loan quality (32/100; 2.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.06%
Loan quality32/100
Noncurrent loans ÷ total loans: 2.05%
Earnings100/100
Return on assets (annualized): 2.10%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 88.9% · 35.6% uninsured
Problem-loan coverage67/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 16.59%

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 2 points (56 → 54), mostly because the loan quality component weakened by 11 points.

TellerScore
505457Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202450
Q3 202451
Q4 202453
Q1 202556
Q2 202556
Q3 202556
Q4 202557
Q1 202655
Q2 202654
Tier 1 leverage ratio
5.00%7.18%9.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.76%
Q3 20248.90%
Q4 20249.04%
Q1 20258.87%
Q2 20258.81%
Q3 20259.16%
Q4 20259.24%
Q1 20269.36%
Q2 20269.06%
Noncurrent loans
1.70%1.88%2.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.01%
Q3 20242.00%
Q4 20241.80%
Q1 20251.71%
Q2 20251.70%
Q3 20251.89%
Q4 20251.83%
Q1 20262.05%
Q2 20262.05%
Return on assets
1.49%1.80%2.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.49%
Q3 20241.57%
Q4 20241.65%
Q1 20251.82%
Q2 20251.96%
Q3 20251.99%
Q4 20252.04%
Q1 20262.02%
Q2 20262.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$357.1M9.06%2.05%2.10%88.9%
Q1 202655$351.8M9.36%2.05%2.02%90.8%
Q4 202557$332.4M9.24%1.83%2.04%97.9%
Q3 202556$330.6M9.16%1.89%1.99%95.3%
Q2 202556$331.0M8.81%1.70%1.96%96.8%
Q1 202556$336.2M8.87%1.71%1.82%97.2%
Q4 202453$316.4M9.04%1.80%1.65%103.7%
Q3 202451$307.3M8.90%2.00%1.57%98.9%
Q2 202450$307.6M8.76%2.01%1.49%95.9%

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 ratio9.06%
13th
Total risk-based capital13.97%
62nd
Problem loans2.05%
12th
Net charge-offs0.15%
15th
Return on assets2.10%
89th
Net interest margin4.43%
76th
Efficiency ratio52.0%
79th
Loans to deposits88.9%
29th
Uninsured deposits35.6%
16th
Loan-loss reserves1.34%
67th
Texas ratio16.6%
9th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of Decatur CountyBank Bainbridge, GA55 out of 100, Moderate$359.6M7.4%0.36%vs
Rabun County BankBank Clayton, GA81 out of 100, Strong$361.5M10.5%0.05%vs
First Southern BankBank Waycross, GA74 out of 100, Strong$347.2M10.9%0.01%vs
First National Bank of GriffinBank Griffin, GA84 out of 100, Strong$368.3M11.4%0.04%vs
Georgia Community BankBank Albany, GA78 out of 100, Strong$375.0M13.7%1.25%vs
Altamaha Bank & Trust CompanyBank Vidalia, GA74 out of 100, Strong$334.1M10.2%0.32%vs

Deposit insurance

Is my money safe at Flint Community Bank?

Yes. Flint Community Bank is an FDIC-insured institution (FDIC certificate #58074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.6% of deposits ($110.4M) 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 9.06%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.97% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Flint Community Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Flint Community Bank reported 134 home-loan applications under HMDA (LEI 549300KEFLY2A00BLQ60): 124 originated ($29,700,000 total), 0 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Flint Community Bank
Type
State-chartered bank
FDIC certificate #
58074
RSSD ID
3341393
Primary regulator
FDIC
Holding company
Flint Community Bancshares Inc
Established
February 3, 2006
Headquarters
2910 Meredyth Dr, Albany, GA 31721
Employees
36

Quick answers

Flint Community Bank: common questions

Is Flint Community Bank FDIC insured?

Yes. Flint Community Bank is an FDIC-insured institution (FDIC certificate #58074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Flint Community Bank's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Flint Community Bank ever failed?

There is no failure record for FDIC certificate #58074 in the FDIC failed bank list.

How many branches does Flint Community Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Albany

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of DawsonBank Dawson, GA94 out of 100, Very strong$159.9M18.2%0.22%vs
South Georgia Banking CompanyBank Omega, GA85 out of 100, Very strong$570.1M13.9%0.55%vs
Ab&tBank Albany, GA83 out of 100, Strong$261.2M11.8%0.00%vs
Georgia Community BankBank Albany, GA78 out of 100, Strong$375.0M13.7%1.25%vs
The Bridgeway Federal Credit UnionCredit union Phenix City, AL72 out of 100, Strong$62.3M16.3%1.01%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs