Side-by-side · Q2 2026 data
First National Bank of Decatur County vs Five Star Credit Union
Metric by metric
| Measure | First National Bank of Decatur County | Five Star Credit Union |
|---|---|---|
| TellerScore | 55 | 72 (stronger) |
| Capital cushion | 24 | 88 (stronger) |
| Loan quality | 88 (stronger) | 50 |
| Earnings | 31 | 63 (stronger) |
| Funding & liquidity | 73 | 81 (stronger) |
| Problem-loan coverage | 90 (stronger) | 84 |
| Peer percentile | 11th | 66th |
| Total assets | $359.6M | $1.3B |
| Deposits / shares | $330.8M | $1.1B |
| Capital ratio | 7.42% | 13.82% (stronger) |
| Problem loans | 0.36% (stronger) | 1.50% |
| Net charge-offs | 0.04% (stronger) | 0.53% |
| Return on assets | 0.26% | 1.09% (stronger) |
| Loans ÷ deposits | 80.2% | 79.2% (stronger) |
| Uninsured deposits | 21.8% | 11.8% (stronger) |
| Offices | 6 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | 27.7% |
Five Star Credit Union has the higher TellerScore (72 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Decatur County leads on 2 and Five Star Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bainbridge, GA
- Cairo, GA
- Leesburg, GA