Total Assets
$2.2B
Total balance-sheet footings
FDIC Cert #2138 · Louisville, Georgia · Est. 1902
Queensborough National Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Queensborough National Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.2B
- Total assets
- A
- Health grade · Excellent
- 1.05%
- Return on assets
- 13.0%
- Tier 1 capital
Data updated July 2026
The verdict
Queensborough National Bank & Trust Company earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.05% Tier 1, profitable at 1.05% ROA, 65% efficiency ratio.
- #548
- largest of 4,313 FDIC banks by assets
- 87th
- percentile by asset size, nationally
- 13.05%
- Tier 1 ratio - above the 10% well-capitalized line
- 47th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Queensborough National Bank & Trust Company's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Queensborough National Bank & Trust Company's composite health score
Tier 1 Capital Ratio (13.05%) 35/40
Return on Assets (ROA) (1.05%) 20/25
Texas Ratio (3.95%) 20/20
Efficiency Ratio (64.98%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.0B
Customer-funded liabilities
Net Loans
$1.3B
Outstanding loan book
Net Income
$23M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Queensborough National Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Queensborough National Bank & Trust Company's score of 83/100 falls in the highlighted band.
Queensborough National Bank & Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Queensborough National Bank & Trust Company's $2.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.05% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.05%
Texas Ratio
3.95%
Equity Capital
$182M
Profitability metrics
Return on Assets (ROA)
47th percentile nationally
1.05%
Return on Equity (ROE)
12.86%
Efficiency Ratio
64.98%
What the numbers say about Queensborough National Bank & Trust Company
Queensborough National Bank & Trust Company is an FDIC-insured institution (Certificate #2138) headquartered in Louisville, Georgia, established in 1902. It holds $2.2B in total assets - 548th of 4,313 FDIC-insured banks, $2.0B in customer deposits, and $1.3B in net loans. Capital-wise, the Tier 1 ratio sits at 13.05%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.95%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Queensborough National Bank & Trust Company sits 8th of 129 banks headquartered in Georgia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$107M
Interest Income
$17M
Non-Interest Income
$60M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Queensborough National Bank & Trust Company reports a Texas Ratio of 3.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Queensborough National Bank & Trust Company (FDIC Cert #2138) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Thomasville National BankThomasville | $2.1B | A | 2.28% |
Frequently asked questions
What is Queensborough National Bank & Trust Company's health grade?▼
Queensborough National Bank & Trust Company receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Queensborough National Bank & Trust Company?▼
Queensborough National Bank & Trust Company holds $2.2B in total assets and $2.0B in deposits, ranking 548th of 4,313 FDIC-insured banks by asset size. It is headquartered in Louisville, Georgia.
Is my money safe at Queensborough National Bank & Trust Company?▼
Yes, deposits at Queensborough National Bank & Trust Company (Certificate #2138) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Queensborough National Bank & Trust Company's Tier 1 Capital Ratio?▼
Queensborough National Bank & Trust Company has a Tier 1 Capital Ratio of 13.05%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Queensborough National Bank & Trust Company?▼
Queensborough National Bank & Trust Company has a Texas Ratio of 3.95%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Queensborough National Bank & Trust Company?▼
Queensborough National Bank & Trust Company has an Efficiency Ratio of 64.98%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Queensborough National Bank & Trust Company's profile as a depositor or analyst.
- Queensborough National Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Queensborough National Bank & Trust Company against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.