Question 1

What is First National Bank of Coffee County?

Accepted Answer

First National Bank of Coffee County is a locally owned community bank headquartered in Douglas, Georgia. With approximately $495 million in total assets and 5 branches across Georgia and Florida, the bank specializes in commercial lending and serves Coffee County and surrounding communities. As a national bank with federal charter, FNBCC operates as a subsidiary of FNC Bancorp, Inc. and is supervised by the Office of the Comptroller of the Currency (OCC).

The bank maintains a strong financial position with a Return on Equity of 18.08% and focuses on personalized service through relationship-based banking.

Question 2

When was First National Bank of Coffee County founded?

Accepted Answer

First National Bank of Coffee County opened for business on September 23, 1991. The institution was founded to serve Coffee and surrounding counties as a locally owned community bank, with the mission of providing accessible financial services to the local community.

Since its founding, FNBCC has been dedicated to reinvesting in Douglas-Coffee County through both monetary donations and volunteer work with area schools, clubs, and organizations. The bank takes particular pride in its Junior Board of Directors program, which annually selects top high school performers from both Coffee High School and Citizens Christian Academy to invest in the future leaders of Coffee County.

Question 3

Where is First National Bank of Coffee County headquartered?

Accepted Answer

First National Bank of Coffee County is headquartered at 420 South Madison Avenue in Douglas, Georgia 31533. Douglas is located in Coffee County in south-central Georgia and serves as the bank's primary market.

The headquarters location houses the main branch and administrative offices where key banking decisions are made locally by people within the community.

Question 4

Where does First National Bank of Coffee County operate?

Accepted Answer

First National Bank of Coffee County operates 5 branches across 2 states—Georgia and Florida. The bank maintains its primary presence in Coffee County, Georgia, while expanding into select Florida markets.

In Georgia, the bank serves Douglas and Coffee County communities. In Florida, FNBCC has established 4 branches, making it the 81st largest bank in Florida by branch count. The bank's service area focuses on providing community banking solutions to both rural and growing regional markets in the southeastern United States.

Question 5

What services does First National Bank of Coffee County offer?

Accepted Answer

First National Bank of Coffee County offers a comprehensive range of personal and business banking services, including:

Retail Banking: Checking accounts, savings accounts, certificates of deposit (CDs), individual retirement accounts (IRAs), money market accounts, and consumer loans including automobile loans, personal loans, and lines of credit.

Residential Lending: The bank specializes in home mortgages, home equity loans, and refinancing options for new home purchases and renovations. Residential lending represents approximately 17.52% of the bank's loan portfolio.

Commercial Banking: Commercial real estate loans (31.57% of loan portfolio), commercial and industrial loans, construction and development loans, and multifamily mortgages. The bank has developed particular expertise in multifamily lending, with 5.17% of its portfolio in this category.

Digital Banking Services: Full-featured online banking platform, mobile banking app with mobile check deposit, digital wallet compatibility (Apple Pay, Google Pay, Samsung Pay), bill pay services, account alerts and notifications, e-statements, and person-to-person (P2P) payment capabilities.

Additional Services: Safe deposit boxes, traveler's checks, direct deposit, overdraft protection, night depository, notary services, and treasury management solutions for businesses.

Question 6

What makes First National Bank of Coffee County unique?

Accepted Answer

First National Bank of Coffee County distinguishes itself through its commitment to local decision-making and community reinvestment. Unlike larger regional or national banks, all banking decisions are made quickly by people within the local community who understand the unique needs of Coffee County residents and businesses.

The bank's exceptional financial performance sets it apart, with a Return on Equity of 18.08%—significantly higher than the national average of 9.95%. This demonstrates strong operational efficiency and management effectiveness.

Community involvement is central to FNBCC's identity. The bank actively supports local businesses, churches, schools, and organizations through both financial contributions and hands-on volunteer work. The Junior Board of Directors program exemplifies this commitment by mentoring high school students from local schools.

The bank's relationship-focused approach emphasizes personalized service over transactional banking. Staff members take time to understand each customer's unique financial needs and tailor solutions accordingly, providing the premier level of service that comes from knowing customers personally.

With its commercial lending specialization and particular strength in multifamily mortgages, FNBCC serves as a key financial partner for business development and real estate growth in its markets.

Question 7

What type of financial institution is First National Bank of Coffee County?

Accepted Answer

First National Bank of Coffee County is a National Bank operating under a federal charter. As a national bank, FNBCC is chartered and regulated by the Office of the Comptroller of the Currency (OCC) and is a member of the Federal Reserve System.

The bank is also classified as a Commercial Bank with a commercial lending specialization. This designation reflects its focus on business banking, commercial real estate lending, and serving the financial needs of businesses alongside retail customers. The bank's loan portfolio demonstrates this commercial orientation, with commercial real estate comprising nearly one-third of total loans.

As an FDIC-insured institution (Certificate #33506), all deposits are protected up to the maximum amounts allowed by law, providing security and peace of mind to depositors.

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