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Queensborough National Bank & Trust Company
Louisville, GA · National bank · Part of Queensborough Co the
- Total assets
- $2.28B
- Q2 2026
- Deposits
- $2.05B
- Net income
- $12.47M
- first half of 2026
- Return on assets
- 1.09%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 2138
- Main office
- Louisville, GA
- Holding company
- Queensborough Co the
- Charter
- National bank
- Primary federal regulator
- Office of the Comptroller of the Currency (OCC)
- Established
- 01/01/1902
- FDIC insured since
- 01/01/1934
- U.S. offices
- 25
- Employees (full-time equivalent)
- 396
- Specialty
- Commercial Lending Specialization
- Website
- www.qnbtrust.bank
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.28B | $2.34B | $2.21B | $2.16B | $2.16B | $2.18B | $2.14B | $2.02B |
| Deposits | $2.05B | $2.11B | $1.98B | $1.93B | $1.93B | $1.98B | $1.96B | $1.84B |
| Net loans and leases | $1.39B | $1.34B | $1.31B | $1.27B | $1.26B | $1.2B | $1.19B | $1.17B |
| Securities | $602.2M | $660.7M | $622.5M | $651.4M | $673.8M | $660.1M | $645.3M | $594.3M |
| Equity capital | $179.6M | $184.4M | $181.6M | $189.6M | $180.6M | $173M | $164M | $167.7M |
| Net income (year to date) | $12.47M | $6.06M | $22.86M | $17.13M | $10.93M | $5.37M | $17.54M | $12.49M |
| Return on assets | 1.09% | 1.06% | 1.05% | 1.06% | 1.01% | 0.99% | 0.84% | 0.81% |
| Return on equity | 13.71% | 13.24% | 12.86% | 12.92% | 12.67% | 12.75% | 11.01% | 10.54% |
| Net interest margin | 3.91% | 3.83% | 3.73% | 3.71% | 3.65% | 3.50% | 3.34% | 3.29% |
| Efficiency ratio | 65.1% | 65.8% | 65.0% | 64.3% | 65.2% | 65.1% | 69.8% | 70.8% |
| Noncurrent loans | 0.60% | 0.45% | 0.59% | 0.43% | 0.72% | 0.90% | 0.93% | 0.75% |
| Net charge-off rate | 0.04% | 0.06% | 0.09% | 0.10% | 0.12% | 0.05% | 0.03% | 0.02% |
| Leverage (core capital) ratio | 8.64% | 9.12% | 9.13% | 9.71% | 9.52% | 9.22% | 9.15% | 9.32% |
| Total risk-based capital ratio | 13.35% | 14.16% | 14.01% | 14.82% | 14.49% | 14.71% | 14.43% | 14.92% |
Assets grew 5.7% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$1.2B86.8%
- Commercial and industrial loans$102.4M7.4%
- Consumer loans$53.62M3.9%
Find bank branches in Georgia · Employees: 396
Frequently asked questions
- What is Queensborough National Bank & Trust Company's FDIC certificate number?
- Queensborough National Bank & Trust Company's FDIC certificate number is 2138.
- How big is Queensborough National Bank & Trust Company?
- Queensborough National Bank & Trust Company reported total assets of $2.28B and deposits of $2.05B as of Q2 2026.
- Is Queensborough National Bank & Trust Company FDIC insured?
- Yes. Queensborough National Bank & Trust Company has been insured by the FDIC since 01/01/1934. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026