Side-by-side · Q2 2026 data
Georgia Community Bank vs First National Bank of Decatur County
Metric by metric
| Measure | Georgia Community Bank | First National Bank of Decatur County |
|---|---|---|
| TellerScore | 78 (stronger) | 55 |
| Capital cushion | 87 (stronger) | 24 |
| Loan quality | 58 | 88 (stronger) |
| Earnings | 92 (stronger) | 31 |
| Funding & liquidity | 67 | 73 (stronger) |
| Problem-loan coverage | 88 | 90 (stronger) |
| Peer percentile | 72nd | 11th |
| Total assets | $375.0M | $359.6M |
| Deposits / shares | $321.7M | $330.8M |
| Capital ratio | 13.67% (stronger) | 7.42% |
| Problem loans | 1.25% | 0.36% (stronger) |
| Net charge-offs | 0.09% | 0.04% (stronger) |
| Return on assets | 1.80% (stronger) | 0.26% |
| Loans ÷ deposits | 78.4% (stronger) | 80.2% |
| Uninsured deposits | 27.9% | 21.8% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.3% | 4.0% |
Georgia Community Bank has the higher TellerScore (78 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Georgia Community Bank leads on 4 and First National Bank of Decatur County on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.