Question 1

What is First National Community Bank of Georgia?

Accepted Answer

First National Community Bank of Georgia is the largest locally-owned community bank in northwest Georgia. With approximately $711 million in total assets and $615 million in total deposits, the bank operates 11 full-service branches across the region, along with a mortgage office in Dalton and a loan production office in Chattanooga, Tennessee.

As a wholly-owned subsidiary of First Chatsworth Bankshares, Inc., the bank specializes in delivering relationship-based financial services with local decision-making authority. The institution focuses on personal and commercial banking, serving individuals, families, and businesses throughout northwest Georgia.

Question 2

When was First National Community Bank of Georgia founded?

Accepted Answer

First National Community Bank of Georgia opened for business on August 18, 1975, originally as The First National Bank of Chatsworth. The bank was established to serve the financial needs of Murray County and surrounding communities in northwest Georgia.

In 2011, the bank changed its name to First National Community Bank to better reflect its strategic initiatives and expanding regional presence. The institution celebrated its 50th anniversary in 2025, marking five decades of community-focused banking.

Question 3

Where is First National Community Bank of Georgia headquartered?

Accepted Answer

The bank is headquartered in Chatsworth, Georgia, located in Murray County in the northwest region of the state. The main office is situated at 701 North 3rd Avenue in Chatsworth.

Chatsworth serves as the heart of the bank's operations, and the institution remains deeply rooted in this community where it was originally founded.

Question 4

Where does First National Community Bank of Georgia operate?

Accepted Answer

First National Community Bank of Georgia operates 11 full-service branches across northwest Georgia, serving multiple communities in a contiguous footprint. The bank's branch locations include:
• Chatsworth (headquarters and branch)
• Eton
• Dalton (two locations)
• Calhoun
• Adairsville
• Cartersville
• Rome (three locations)
• Dallas (Paulding County)

Additionally, the bank operates a mortgage office in Dalton and maintains a loan production office in Chattanooga, Tennessee, extending its reach into the southern Tennessee market.

Question 5

What services does First National Community Bank of Georgia offer?

Accepted Answer

First National Community Bank of Georgia provides a comprehensive suite of banking products and services designed for both personal and commercial clients:

Personal Banking:
• Free checking accounts with no monthly fees
• Savings accounts, money market accounts, and certificates of deposit (CDs)
• Individual Retirement Accounts (IRAs)
• Consumer loans and mortgages
• Mobile deposit and remote check capture

Business Banking:
• Commercial loans and lines of credit
• Business checking and savings accounts
• Treasury management services including cash flow management, payment processing, and fraud protection
• Commercial real estate financing
• Agricultural lending

Digital Services:
• Mobile banking app for iOS and Android devices
• Online banking with bill pay functionality
• eStatements and electronic delivery
• Person-to-person (P2P) payments
• Mobile wallet integration
• Account alerts and notifications
• 24/7 account access

Specialized Services:
• FDIC insurance coverage above $250,000 through Insured Cash Sweep
• Mortgage services through dedicated mortgage office
• Commercial loan production office services

Question 6

What makes First National Community Bank of Georgia unique?

Accepted Answer

First National Community Bank of Georgia distinguishes itself through several key characteristics:

Local Ownership and Decision-Making: As the largest locally-owned community bank in northwest Georgia, all lending decisions are made locally rather than at a distant corporate headquarters. This enables faster response times and more personalized service tailored to the unique needs of northwest Georgia businesses and residents.

Strategic Growth Through Mergers: The bank has strategically expanded its footprint through well-executed acquisitions, merging with Northside Bank in August 2019 and Heritage First Bank in July 2021. These mergers strengthened its market position while maintaining its community banking philosophy.

Strong Financial Performance: In 2025, First National Community Bank was ranked 6th in the Southeast Region and 19th nationwide among top-performing banks by S&P Global Market Intelligence, demonstrating exceptional financial management and operational excellence.

Community Engagement: The bank maintains extraordinary involvement in its communities, sponsoring local events, participating in holiday parades, supporting non-profit organizations, and maintaining active leadership roles in chambers of commerce and economic development authorities throughout its service area.

Conservative Growth Strategy: Rather than rapid expansion, the bank employs a measured, conservative approach to growth that has proven successful. This includes entering new markets through loan production offices that "earn their way" into full-service branches.

Question 7

What type of financial institution is First National Community Bank of Georgia?

Accepted Answer

First National Community Bank of Georgia is a National Bank chartered under federal banking regulations and supervised by the Office of the Comptroller of the Currency (OCC).

As a community bank, it focuses on relationship-based banking with a strong emphasis on serving local consumers and businesses. The bank embodies the community banking model by maintaining a contiguous branch footprint, making decisions locally, and prioritizing customer relationships over transaction volume. It operates as a traditional full-service commercial bank offering both retail and commercial banking services.

The institution is a member of the FDIC (Federal Deposit Insurance Corporation) and operates as an Equal Housing Lender.

Question 8

How has First National Community Bank of Georgia evolved over 50 years?

Accepted Answer

The bank's evolution reflects strategic adaptation to changing market conditions while maintaining core community banking values. Beginning as a single-office institution serving Chatsworth in 1975, the bank gradually expanded organically through the 1980s and 1990s.

The pace of growth accelerated in the 21st century through both organic expansion and strategic acquisitions. Under the leadership of President and CEO Ryan Earnest (who assumed the role in July 2021) and Chairman Johnny Waters, the bank has implemented a deliberate growth strategy focused on entering adjacent markets with experienced banking teams.

The bank's approach involves establishing loan production offices in new markets, building relationships and earning business, then converting successful offices to full-service branches. This methodology was employed successfully in Paulding County (Dallas), where the loan production office opened in 2018 and was later converted to a full-service branch.

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