Side-by-side · Q2 2026 data
Rabun County Bank vs First National Bank of Decatur County
Metric by metric
| Measure | Rabun County Bank | First National Bank of Decatur County |
|---|---|---|
| TellerScore | 81 (stronger) | 55 |
| Capital cushion | 55 (stronger) | 24 |
| Loan quality | 98 (stronger) | 88 |
| Earnings | 86 (stronger) | 31 |
| Funding & liquidity | 87 (stronger) | 73 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 80th | 11th |
| Total assets | $361.5M | $359.6M |
| Deposits / shares | $321.3M | $330.8M |
| Capital ratio | 10.49% (stronger) | 7.42% |
| Problem loans | 0.05% (stronger) | 0.36% |
| Net charge-offs | -0.01% (stronger) | 0.04% |
| Return on assets | 1.64% (stronger) | 0.26% |
| Loans ÷ deposits | 71.8% (stronger) | 80.2% |
| Uninsured deposits | 16.5% (stronger) | 21.8% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
Rabun County Bank has the higher TellerScore (81 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Rabun County Bank leads on 7 and First National Bank of Decatur County on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.