The Four County Bank is a state-chartered bank headquartered in Allentown, Georgia, in business for about 85 years. At the end of Q2 2026 it reported $87.1M in total assets and $75.4M in deposits, with 1 office.
The Four County Bank has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 84% of its 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 22nd. Earnings contributes the most (98/100, 1.94%); loan quality contributes the least (77/100, 0.68%).
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 (86 → 87).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 86 |
| Q4 2024 | 85 |
| Q1 2025 | 79 |
| Q2 2025 | 86 |
| Q3 2025 | 87 |
| Q4 2025 | 81 |
| Q1 2026 | 79 |
| Q2 2026 | 87 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.26% |
| Q3 2024 | 13.43% |
| Q4 2024 | 13.33% |
| Q1 2025 | 12.57% |
| Q2 2025 | 13.29% |
| Q3 2025 | 13.53% |
| Q4 2025 | 13.83% |
| Q1 2026 | 12.98% |
| Q2 2026 | 13.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.57% |
| Q4 2025 | 1.30% |
| Q1 2026 | 1.15% |
| Q2 2026 | 0.68% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.71% |
| Q3 2024 | 1.69% |
| Q4 2024 | 1.67% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.83% |
| Q3 2025 | 1.82% |
| Q4 2025 | 1.83% |
| Q1 2026 | 1.80% |
| Q2 2026 | 1.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $87.1M | 13.83% | 0.68% | 1.94% | 77.5% |
| Q1 2026 | 79 | $89.5M | 12.98% | 1.15% | 1.80% | 75.9% |
| Q4 2025 | 81 | $91.7M | 13.83% | 1.30% | 1.83% | 75.5% |
| Q3 2025 | 87 | $90.6M | 13.53% | 0.57% | 1.82% | 74.8% |
| Q2 2025 | 86 | $88.9M | 13.29% | 0.53% | 1.83% | 76.1% |
| Q1 2025 | 79 | $89.6M | 12.57% | 0.74% | 1.51% | 76.1% |
| Q4 2024 | 85 | $90.0M | 13.33% | 0.48% | 1.67% | 78.8% |
| Q3 2024 | 86 | $87.7M | 13.43% | 0.37% | 1.69% | 80.2% |
| Q2 2024 | 87 | $86.6M | 13.26% | 0.30% | 1.71% | 81.1% |
546 peers · Under $100 million in assets
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 State Bank of Randolph CountyBank Cuthbert, GA | 27 out of 100, Low | $86.9M | 8.3% | 4.53% | vs |
| F & M Bank and Trust CompanyBank Manchester, GA | 69 out of 100, Moderate | $87.4M | 10.2% | 0.52% | vs |
| First Bank of PikeBank Zebulon, GA | 70 out of 100, Strong | $87.5M | 9.9% | 0.79% | vs |
| Rochelle State BankBank Rochelle, GA | 29 out of 100, Low | $85.6M | 8.0% | 3.40% | vs |
| Bank of Hancock CountyBank Sparta, GA | 81 out of 100, Strong | $85.2M | 20.2% | 0.82% | vs |
| The Bank of EdisonBank Edison, GA | 60 out of 100, Moderate | $83.9M | 9.1% | 1.79% | vs |
Deposit insurance
Is my money safe at The Four County Bank?
Yes. The Four County Bank is an FDIC-insured institution (FDIC certificate #15904). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.7% of deposits ($7.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.83%, 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%).
1 location
Branches
The Four County Bank lists 1 office in 1 city. Most locations:
- Allentown, GA (1)
Identity & history
Profile
- Legal name
- The Four County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15904
- RSSD ID
- 7634
- Primary regulator
- FDIC
- Holding company
- Four County Bancshares Inc
- Established
- September 15, 1941
- Headquarters
- 959 Main St, Allentown, GA 31017
- Website
- thefourcountybank.com
- Employees
- 12
Quick answers
The Four County Bank: common questions
Is The Four County Bank FDIC insured?
Yes. The Four County Bank is an FDIC-insured institution (FDIC certificate #15904). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Four County Bank's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Four County Bank ever failed?
There is no failure record for FDIC certificate #15904 in the FDIC failed bank list.
How many branches does The Four County Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Allentown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cgr Credit UnionCredit union Macon, GA | 95 out of 100, Very strong | $120.0M | 22.2% | 0.52% | vs |
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Sunmark Community BankBank Perry, GA | 92 out of 100, Very strong | $556.6M | 14.6% | 0.02% | vs |
| The Citizens Bank of CochranBank Cochran, GA | 90 out of 100, Very strong | $201.4M | 14.8% | 0.33% | vs |
| Farmers State BankBank Dublin, GA | 90 out of 100, Very strong | $156.2M | 13.9% | 0.28% | vs |
| Macon Firemen'S Credit UnionCredit union Macon, GA | 90 out of 100, Very strong | $5.9M | 27.1% | 0.56% | vs |