Bank · FDIC insured
First National Bank
A $359.6M bank headquartered in Bainbridge, GA, with 6 branches in 2 states.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings700.05%2.00% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank
- Headquarters
- 819 E Shotwell St, Bainbridge, GA 39819
- FDIC certificate
- 57694 ↗
Branches
6 branches in 2 states
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Georgia
5 branches
Bainbridge area · 2
- First National Bank of Decatur CountyMain office819 E Shotwell St, Bainbridge, GA 39819Directions
- First National Bank Hwy 27 Branch1515 Tallahassee Hwy, Bainbridge, GA 39819Directions
Thomasville area · 1
- Cairo Branch600 N Broad St, Cairo, GA 39828Directions
Albany area · 1
- Leesburg Branch1559 Us Highway 19 S, Leesburg, GA 31763Directions
Moultrie area · 1
- Moultrie Branch26 S Main St, Moultrie, GA 31768Directions
Florida
1 branch
- Miramar Beach Branch91 Scenic Gulf Dr, Miramar Beach, FL 32550Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 7.42% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.36% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.26% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $81 | $81 | — |
- CapitalLeverage ratio7.42%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.36%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.26%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$81Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.