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First National Community Bank

FDIC #22092 📍 Chatsworth, Georgia

First National Community Bank is a commercial bank, national (federal) charter and fed member, supervised by the occ. established in August 18, 1975. With assets of $582.46 Million, it operates 11 domestic branches.

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Customer Reviews

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Based on 2 ratings

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★★★★★ Jane W
February 04, 2022

FNCB is just as nice and helpful as they were in [-] 1970's when [-] First [-] opened in Chatsworth. Our family is small, but they are all First [-] customers and have been for many years. Three C H E E R S ! ! ! for old banks, old friends, and [-] help for any problem that pops up. Let's give First [-] _____FIVE STARS______

★☆☆☆☆ Thomas E
February 03, 2020

Was a good bank when it was Northside bank of [-]. Now they just [-] and charge you for it. Five members of family have already closed account and have heard others complaining about [-] they [-] [-] now. I [-] [-] sellouts [-] out of [-]. 👎👎👎

Community Reinvestment Act (CRA) Rating
Latest Exam: February 6, 2023
Satisfactory
What is CRA? The Community Reinvestment Act (CRA) is a federal law that encourages banks to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods.

Rating History

February 6, 2023
Satisfactory
October 15, 2018
Satisfactory
February 12, 2008
Satisfactory
July 30, 1997
Satisfactory
August 29, 1994
Satisfactory
💰 Financial Strength
Total Assets$582.46 Million
Total Deposits$507.31 Million
Equity Capital$72.21 Million
Net Income$8.36 Million
📈 Performance
ROA1.95%
ROE16.07%
Financial Terms:
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
📞 Contact & Location
Address701 N 3rd Ave
Chatsworth, Georgia 30705
📋 Corporate Structure
EstablishedAugust 18, 1975
FDIC Cert22092
Holding CoFirst Chatsworth Bankshares
Parent CertNA - Not listed as a child of a larger bank.
Last ChangeAugust 31, 2022
Foreign Offices0
SAIF InsuredNo
State CharteredNo

📜 Institutional History

2021
Merger / Acquisition
Acquired: Heritage First Bank
2019
Merger / Acquisition
Acquired: Northside Bank
2019
Name Change
Name became: Changed Institution Name To First National Community Bank.
1986
Name Change
Name became: Changed Institution Name To The First National Bank Of Chatsworth.

📍 Branch Locations (11)

Adairsville Branch
7741 Adairsville Hwy
Adairsville, Georgia 30103
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Calhoun Branch
1300 Lovers Lane Rd Se
Calhoun, Georgia 30701
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Cartersville Branch
325 Cherokee Pl
Cartersville, Georgia 30121
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First National Community Bank
701 N 3rd Ave
Chatsworth, Georgia 30705
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Dallas Branch
104 Village Walk
Dallas, Georgia 30132
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Dalton Office
362 Northgate Dr
Dalton, Georgia 30721
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Dalton Branch
415 S Thornton Ave
Dalton, Georgia 30720
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Eton Branch
3400 Hwy 411 North
Eton, Georgia 30724
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Rome Branch - Shorter Avenue
2211 Shorter Ave Sw
Rome, Georgia 30165
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Rome Branch - Martha Berry Blvd
2950 Martha Berry Hwy Ne
Rome, Georgia 30165
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Rome Branch - Broad Street
501 Broad St
Rome, Georgia 30161
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