Headquartered in Louisville, Georgia, Queensborough National Bank & Trust Company is a national bank with $2.3B in total assets and $2.1B in deposits as of Q2 2026. It operates 25 offices. Its charter dates back to 1902.
Based on its Q2 2026 filing, Queensborough National Bank & Trust Company scores 62/100, which we describe as moderate. That is higher than only 27% of 897 banks with $1 billion – $10 billion. Among 124 banks headquartered in Georgia, it ranks 109th. Its strongest component is problem-loan coverage (91/100; 4.3%), and its lowest is capital cushion (36/100; 8.64%).
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
From Q2 2025 to Q2 2026, the score fell 2 points (64 → 62), mostly because the capital cushion component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 61 |
| Q4 2024 | 60 |
| Q1 2025 | 62 |
| Q2 2025 | 64 |
| Q3 2025 | 67 |
| Q4 2025 | 64 |
| Q1 2026 | 66 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.10% |
| Q3 2024 | 9.32% |
| Q4 2024 | 9.15% |
| Q1 2025 | 9.22% |
| Q2 2025 | 9.52% |
| Q3 2025 | 9.71% |
| Q4 2025 | 9.13% |
| Q1 2026 | 9.12% |
| Q2 2026 | 8.64% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.77% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.89% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.59% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.01% |
| Q3 2025 | 1.06% |
| Q4 2025 | 1.05% |
| Q1 2026 | 1.06% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $2.3B | 8.64% | 0.59% | 1.09% | 67.6% |
| Q1 2026 | 66 | $2.3B | 9.12% | 0.44% | 1.06% | 63.5% |
| Q4 2025 | 64 | $2.2B | 9.13% | 0.58% | 1.05% | 66.1% |
| Q3 2025 | 67 | $2.2B | 9.71% | 0.42% | 1.06% | 66.0% |
| Q2 2025 | 64 | $2.2B | 9.52% | 0.71% | 1.01% | 65.2% |
| Q1 2025 | 62 | $2.2B | 9.22% | 0.89% | 0.99% | 60.5% |
| Q4 2024 | 60 | $2.1B | 9.15% | 0.92% | 0.84% | 60.8% |
| Q3 2024 | 61 | $2.0B | 9.32% | 0.74% | 0.81% | 63.6% |
| Q2 2024 | 60 | $2.0B | 9.10% | 0.77% | 0.82% | 63.2% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Thomasville National BankBank Thomasville, GA | 76 out of 100, Strong | $2.2B | 10.7% | 0.22% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| PrimeSouth BankBank Blackshear, GA | 66 out of 100, Moderate | $1.6B | 12.0% | 1.48% | vs |
| BankSouthBank Greensboro, GA | 68 out of 100, Moderate | $1.6B | 10.2% | 0.55% | vs |
| Georgia Banking CompanyBank Atlanta, GA | 64 out of 100, Moderate | $3.3B | 10.8% | 0.67% | vs |
| PeoplesSouth BankBank Colquitt, GA | 69 out of 100, Moderate | $1.2B | 10.4% | 1.02% | vs |
Deposit insurance
Is my money safe at Queensborough National Bank & Trust Company?
Yes. Queensborough National Bank & Trust Company is an FDIC-insured institution (FDIC certificate #2138). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 41.0% of deposits ($841.5M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.64%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.35% (benchmark: 10%).
25 locations
Branches
Queensborough National Bank & Trust Company lists 24 offices in 21 cities. Most locations:
- Augusta, GA (2)
- Martinez, GA (2)
- Savannah, GA (2)
- Evans, GA (1)
- Grovetown, GA (1)
- Hephzibah, GA (1)
- Hinesville, GA (1)
- Louisville, GA (1)
- Metter, GA (1)
- Midville, GA (1)
- Millen, GA (1)
- Pooler, GA (1)
HMDA 2025
Mortgage lending
In 2025, Queensborough National Bank & Trust Company reported 526 home-loan applications under HMDA (LEI 254900C2QXQ435D8TY78): 419 originated ($153,415,000 total), 37 denied, and 52 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.8%, 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
- Queensborough National Bank & Trust Company
- Former names
- The First National Bank & Trust Company; The First National Bank of Louisville
- Type
- National bank
- FDIC certificate #
- 2138
- RSSD ID
- 960935
- Primary regulator
- OCC
- Holding company
- Queensborough Co the
- Established
- January 1, 1902
- Headquarters
- 113 E Broad St, Louisville, GA 30434
- Website
- www.qnbtrust.bank
- Employees
- 396
Quick answers
Queensborough National Bank & Trust Company: common questions
Is Queensborough National Bank & Trust Company FDIC insured?
Yes. Queensborough National Bank & Trust Company is an FDIC-insured institution (FDIC certificate #2138). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Queensborough National Bank & Trust Company's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Queensborough National Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #2138 in the FDIC failed bank list.
How many branches does Queensborough National Bank & Trust Company have?
25 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Louisville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of WaynesboroBank Waynesboro, GA | 94 out of 100, Very strong | $229.1M | 19.1% | 0.20% | vs |
| Century Bank and TrustBank Milledgeville, GA | 87 out of 100, Very strong | $490.7M | 11.8% | 0.07% | vs |
| First State BankBank Wrens, GA | 77 out of 100, Strong | $512.7M | 10.5% | 0.32% | vs |
| BankSouthBank Greensboro, GA | 68 out of 100, Moderate | $1.6B | 10.2% | 0.55% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |