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211 East Ward Street
Douglas , GA 31533

Douglas National Bank is headquartered in Douglas and is the 108th largest bank in the state of Georgia. It is also the 3,699th largest bank in the nation. It was established in 2001 and as of March of 2014, it had grown to 30 employees at 1 location. Douglas National Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Douglas National Bank had $3.03 million in non-current loans and owned real-estate with $21.18 million in equity and loan loss allowances on hand to cover it. This gives Douglas National Bank a Texas Ratio of 14.32% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Douglas National Bank decreased slightly from 17.18% as of March 31, 2013 to 14.32% as of March 31, 2014, resulting in a positive change of 16.68%.This indicates that the balance sheet and financial strength for Douglas National Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Douglas National Bank has increased its total deposits by $7.09 million, resulting in 5.72% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Douglas National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Douglas National Bank has $151.33 million in assets with $21.18 million in equity, resulting in a capitalization level of 13.99%, which is excellent.

Institution Statistics

FDIC Certificate #57230
Year Established2001
Primary RegulatorOCC
Assets and Liabilities
Assets$151.33 million
Loans$118.71 million
Deposits$131.11 million
Equity Capital$19.57 million
Loan Loss Allowance$1.61 million
Unbacked Noncurrent Loans$1.53 million
Real Estate Owned$1.51 million
Historic Data - March 2013
Assets$144.26 million
Equity Capital$19.47 million
Loan Loss Allowance$1.50 million
Unbacked Noncurrent Loans$1.53 million
Real Estate Owned$2.37 million
Profit Margin - Quarterly
Net Interest Margin4.85%
Return on Assets2.29%
Return on Equity17.74%
Interest Income$1.83 million

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Douglas National Bank Locations
Douglas National Bank211 East Ward StreetDouglas, GA 31533