$258M
+12.6%y/y
Percentile by value27th percentileby value
FDIC
LNLSGRFB
First National Bank of Decatur County
Bainbridge, GeorgiaFDIC Cert #57694
OCCEstablished 20046 branches
Holding company: BAINBRIDGE BANCSHARES INCRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $45.4M |
| Investor CRE | $25.9M |
| Multifamily | $3.13M |
| Construction | $24.5M |
| 1–4 family | $97.4M |
| C&I | $16.9M |
| Agriculture | $9.09M |
| Other | $35.7M |
Loan book
Reported balances and balance-sheet intensity.
$256M
+12.7%y/y
Percentile by value27th percentileby value
FDIC
LNLSNET+12.73%
−4.4%y/y
Percentile by value81st percentileby value
FDIC
LNLSNET79.1%
+2.3%y/y
Percentile by value46th percentileby value
FDIC
LNLSNET + DEP73.2%
+2.8%y/y
Percentile by value63rd percentileby value
FDIC
LNLSNET + ASSET80.82%
−2.0%y/y
Percentile by value38th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
186%
−2.0%y/y
Percentile by value56th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC85%
+17.0%y/y
Percentile by value86th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,982points
−7.6%y/y
Peer standing63rd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD17.58%
+23.7%y/y
Percentile by value74th percentileby value
FDIC
LNRENROW + LNLSGR10.02%
−19.6%y/y
Percentile by value37th percentileby value
FDIC
LNRENROT + LNLSGR6.55%
+4.9%y/y
Percentile by value31st percentileby value
FDIC
LNCI + LNLSGR