Rabun County Bank (FDIC certificate #22138) is based in Clayton, Georgia. Its Q2 2026 call report shows $361.5M in total assets and $321.3M in deposits and 4 offices.
Based on its Q2 2026 filing, Rabun County Bank scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 36th. Its strongest component is problem-loan coverage (99/100; 0.3%), and its lowest is capital cushion (55/100; 10.49%).
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 (81 → 81).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 81 |
| Q4 2024 | 80 |
| Q1 2025 | 79 |
| Q2 2025 | 81 |
| Q3 2025 | 79 |
| Q4 2025 | 78 |
| Q1 2026 | 79 |
| Q2 2026 | 81 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.47% |
| Q3 2024 | 10.59% |
| Q4 2024 | 10.34% |
| Q1 2025 | 10.74% |
| Q2 2025 | 11.00% |
| Q3 2025 | 10.25% |
| Q4 2025 | 10.22% |
| Q1 2026 | 10.58% |
| Q2 2026 | 10.49% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.07% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.70% |
| Q3 2024 | 1.60% |
| Q4 2024 | 1.62% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.41% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $361.5M | 10.49% | 0.05% | 1.64% | 71.8% |
| Q1 2026 | 79 | $364.2M | 10.58% | 0.10% | 1.31% | 66.6% |
| Q4 2025 | 78 | $366.2M | 10.22% | 0.09% | 1.41% | 64.9% |
| Q3 2025 | 79 | $348.9M | 10.25% | 0.07% | 1.38% | 67.9% |
| Q2 2025 | 81 | $342.9M | 11.00% | 0.08% | 1.40% | 68.0% |
| Q1 2025 | 79 | $335.8M | 10.74% | 0.08% | 1.26% | 66.2% |
| Q4 2024 | 80 | $332.6M | 10.34% | 0.21% | 1.62% | 64.4% |
| Q3 2024 | 81 | $353.5M | 10.59% | 0.07% | 1.60% | 60.9% |
| Q2 2024 | 85 | $304.9M | 11.47% | 0.09% | 1.70% | 67.6% |
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).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 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 National Bank of GriffinBank Griffin, GA | 84 out of 100, Strong | $368.3M | 11.4% | 0.04% | vs |
| Georgia Community BankBank Albany, GA | 78 out of 100, Strong | $375.0M | 13.7% | 1.25% | vs |
| First Southern BankBank Waycross, GA | 74 out of 100, Strong | $347.2M | 10.9% | 0.01% | vs |
| Altamaha Bank & Trust CompanyBank Vidalia, GA | 74 out of 100, Strong | $334.1M | 10.2% | 0.32% | vs |
Deposit insurance
Is my money safe at Rabun County Bank?
Yes. Rabun County Bank is an FDIC-insured institution (FDIC certificate #22138). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.5% of deposits ($53.0M) 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 10.49%, 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%).
4 locations
Branches
Rabun County Bank lists 4 offices in 4 cities. Most locations:
- Clarkesville, GA (1)
- Clayton, GA (1)
- Cornelia, GA (1)
- Dillard, GA (1)
Identity & history
Profile
- Legal name
- Rabun County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 22138
- RSSD ID
- 514936
- Primary regulator
- FDIC
- Holding company
- Liberty Bcorp of Georgia Inc
- Established
- October 10, 1975
- Headquarters
- 121 Rickman St, Clayton, GA 30525
- Website
- www.rabuncountybank.com
- Employees
- 50
Quick answers
Rabun County Bank: common questions
Is Rabun County Bank FDIC insured?
Yes. Rabun County Bank is an FDIC-insured institution (FDIC certificate #22138). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Rabun County Bank's TellerScore?
81 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 Rabun County Bank ever failed?
There is no failure record for FDIC certificate #22138 in the FDIC failed bank list.
How many branches does Rabun County Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clayton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First American Bank and Trust CompanyBank Athens, GA | 86 out of 100, Very strong | $901.9M | 13.3% | 0.00% | vs |
| Oconee Federal Savings and Loan AssociationBank Seneca, SC | 78 out of 100, Strong | $679.4M | 13.6% | 0.33% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |
| First BankBank Southern Pines, NC | 74 out of 100, Strong | $13.0B | 11.5% | 0.49% | vs |
| TowneBankBank Portsmouth, VA | 74 out of 100, Strong | $22.6B | 10.0% | 0.22% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |