Side-by-side · Q2 2026 data
Ameris Bank vs First National Bank of Decatur County
Metric by metric
| Measure | Ameris Bank | First National Bank of Decatur County |
|---|---|---|
| TellerScore | 67 (stronger) | 55 |
| Capital cushion | 64 (stronger) | 24 |
| Loan quality | 81 | 88 (stronger) |
| Earnings | 69 (stronger) | 31 |
| Funding & liquidity | 28 | 73 (stronger) |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 63rd | 11th |
| Total assets | $28.4B | $359.6M |
| Deposits / shares | $22.7B | $330.8M |
| Capital ratio | 11.41% (stronger) | 7.42% |
| Problem loans | 0.57% | 0.36% (stronger) |
| Net charge-offs | 0.20% | 0.04% (stronger) |
| Return on assets | 1.23% (stronger) | 0.26% |
| Loans ÷ deposits | 98.3% | 80.2% (stronger) |
| Uninsured deposits | 45.6% | 21.8% (stronger) |
| Offices | 164 | 6 |
| CFPB complaints (3 yrs) | 272 | — |
| Complaints per $1B deposits | 12.0 | — |
| Mortgage denial rate (HMDA) | 10.5% | 4.0% |
Ameris Bank has the higher TellerScore (67 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Ameris Bank leads on 3 and First National Bank of Decatur County on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Moultrie, GA
- Cairo, GA