Question 1

What is Four County Bank?

Accepted Answer

Four County Bank is a community-oriented commercial bank based in Allentown, Georgia. With approximately $90.6 million in total assets and $78.9 million in deposits as of its most recent filing, the bank operates as a state-chartered, FDIC-insured institution specializing in commercial lending. Four County Bank is a subsidiary of Four County Bancshares, Inc., a locally-owned holding company, and serves the banking needs of Wilkinson County and surrounding rural Georgia communities.

The bank maintains a single full-service branch location and ranks as the 180th largest bank in Georgia by asset size.

Question 2

When was Four County Bank founded?

Accepted Answer

Four County Bank was established on September 15, 1941, during a period when community banks were forming across rural America to serve local agricultural and small business needs. The bank was founded to provide essential financial services to residents and businesses in Wilkinson County and the surrounding four-county region of central Georgia.

For over eight decades, the institution has maintained its original name and commitment to community banking principles, adapting to changing economic conditions while preserving its focus on personalized service. The bank has remained locally owned and operated throughout its history, maintaining deep roots in the Allentown community.

Question 3

Where is Four County Bank headquartered?

Accepted Answer

Four County Bank is headquartered at 959 Main Street, Allentown, Georgia 31017. The main office is located in Wilkinson County, a rural county in central Georgia situated approximately 100 miles south of Atlanta.

The bank relocated its main office to this address on October 26, 2009, after previously operating from the same street at a different building number. Allentown serves as a small community center in Wilkinson County, making the bank an important financial institution for local residents and businesses.

Question 4

Where does Four County Bank operate?

Accepted Answer

Four County Bank operates exclusively within Wilkinson County, Georgia, maintaining a single branch location at its headquarters in Allentown. The bank's service area extends to neighboring counties in central Georgia, though it does not maintain physical offices outside of Wilkinson County.

As a community bank, Four County Bank focuses on serving local customers in the surrounding four-county region of rural Georgia, which historically has included areas with agricultural, small business, and residential banking needs. The bank does not have any out-of-state operations and maintains its concentrated geographic footprint.

Question 5

What services does Four County Bank offer?

Accepted Answer

Four County Bank provides a comprehensive range of traditional community banking services, including:

Personal Banking: Checking accounts, savings accounts, certificates of deposit, individual retirement accounts, money market accounts, and safe deposit facilities.

Lending Services: The bank specializes in commercial lending, offering business loans, agricultural financing, secured and unsecured consumer loans, lines of credit, and various loan products for personal and commercial purposes.

Digital Banking: E-banking services, online banking platforms, telephone banking, and mobile banking options allow customers to manage their accounts remotely and conduct transactions outside of traditional banking hours.

Transaction Services: ACH transfers, wire transactions, direct deposits, bill payment services, and money transfers using the bank's routing number 061112034.

Question 6

What makes Four County Bank unique?

Accepted Answer

Four County Bank distinguishes itself through several key characteristics:

Commercial Lending Specialization: Unlike many small community banks that focus primarily on retail banking, Four County Bank has developed an asset concentration in commercial lending, serving local businesses and agricultural operations with customized financing solutions.

True Community Bank Status: As a locally-owned institution operating through a single branch, the bank maintains close relationships with customers and deep knowledge of the local economy. This allows for personalized service and faster decision-making compared to larger regional or national banks.

Longevity and Stability: With over 80 years of continuous service since 1941, the bank has demonstrated resilience through multiple economic cycles, maintaining its independence and local ownership structure through Four County Bancshares, Inc.

Strong Financial Performance: The bank maintains healthy financial metrics with a return on assets (ROA) of 1.82% and return on equity (ROE) of 15.4%, indicating efficient management and profitability well above industry averages for community banks.

Question 7

What type of financial institution is Four County Bank?

Accepted Answer

Four County Bank is classified as a State Chartered Commercial Bank. Specifically, it operates as a state-chartered bank that is not a member of the Federal Reserve System, making it supervised by the FDIC rather than the Federal Reserve.

This charter type is common among smaller community banks that choose state-level regulation while maintaining FDIC insurance protection for depositors. As a commercial bank, the institution can offer a full range of banking services with particular emphasis on commercial and business lending activities, distinguishing it from savings banks or credit unions.

The bank holds FDIC Certificate Number 15904 and is assigned Fed RSSD ID 7634 for regulatory reporting purposes.

Four County Bank

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About Four County Bank in the United States