Question 1

What is Queensborough National Bank?

Accepted Answer

Queensborough National Bank is a community-focused commercial bank headquartered in Louisville, Georgia. With over $2.16 billion in assets and 25 branches across the state, the bank serves retail and commercial customers throughout east-central and coastal Georgia. Founded in 1902, Queensborough combines modern banking technology with traditional relationship-based customer service, specializing in personal and business banking, wealth management, and mortgage services.

The bank operates as a National Bank regulated by the FDIC and maintains a strong commitment to community involvement and customer relationships.

Question 2

When was Queensborough National Bank founded?

Accepted Answer

Queensborough National Bank was founded in 1902 as First National Bank of Louisville in Louisville, Georgia. The bank was established with the founding principles of "great service and uncomplicated banking."

In 2006, the bank changed its name to Queensborough National Bank & Trust Company to avoid confusion with similarly named institutions as it expanded into neighboring Georgia counties. The name "Queensborough" honors one of the original townships established by Irish immigrants during the mid-1700s in Jefferson County, near the Ogeechee River south of present-day Louisville.

The bank has been led by four generations of the Easterlin family, with William F. Easterlin, III currently serving as President and CEO. He takes great pride in preserving the bank's history and founding core values.

Question 3

Where is Queensborough National Bank headquartered?

Accepted Answer

Queensborough National Bank is headquartered in Louisville, Georgia, in Jefferson County. The bank maintains its corporate offices at 205 E. Broad Street, Louisville, GA 30434, staying true to its roots in this historic small town where it was originally founded.

Additional operational headquarters functions are located at 4226 Columbia Road, Martinez, Georgia 30907.

Question 4

Where does Queensborough National Bank operate?

Accepted Answer

Queensborough National Bank operates exclusively throughout Georgia, with a geographic footprint extending from Augusta in the east to Savannah on the coast. The bank maintains approximately 25-26 branch locations across 21 cities and towns in east-central and coastal Georgia.

Key markets include Augusta, Evans, Grovetown, Hephzibah, Martinez, Statesboro, Savannah, Pooler, Rincon, Hinesville, Louisville, Thomson, Waynesboro, Wrens, Sandersville, Swainsboro, Millen, Midville, Sylvania, Metter, and Wadley. The bank primarily serves Jefferson County and surrounding counties in the CSRA (Central Savannah River Area) and coastal Georgia regions.

Question 5

What services does Queensborough National Bank offer?

Accepted Answer

Queensborough National Bank offers a comprehensive suite of banking services for both retail and commercial customers:

Personal Banking: Checking and savings accounts, money market accounts, certificates of deposit, consumer loans, and debit cards with mobile wallet integration (Apple Pay, Android Pay, Samsung Pay).

Business Banking: Commercial checking and savings, business lending, cash management services, and merchant services.

Mortgage Services: Residential and commercial mortgage lending, home equity loans, and construction financing.

Wealth Management: Trust services, investment management, retirement planning, and estate planning through their dedicated wealth management division.

Digital Banking: Mobile banking app with mobile check deposit (Q Mobile Remote Deposit), online banking platform, bill payment services, account-to-account transfers, electronic statements, Quicken and QuickBooks integration (Direct Connect and Web Connect), and customizable alerts and notifications. The bank also offers video banking for face-to-face virtual consultations.

Additional Services: ATM network throughout Georgia, ITMs (Interactive Teller Machines) with extended hours including Saturdays, debit card fraud protection, financial literacy programs, and stop payment services.

Question 6

What makes Queensborough National Bank unique?

Accepted Answer

Queensborough National Bank distinguishes itself through several key characteristics:

Multi-Generational Leadership: The bank has been led by four generations of the Easterlin family, with President and CEO William F. Easterlin, III maintaining the institution's commitment to its founding values while modernizing operations.

Community Banking Philosophy: Despite offering sophisticated services comparable to larger institutions, Queensborough maintains a relationship-focused approach where experienced bankers live and work within the communities they serve, with local decision-making authority.

Technology Investment: In 2024, the bank completed a major core system conversion after 42 years on its previous platform, demonstrating commitment to technological advancement while maintaining service continuity. The bank emphasizes state-of-the-art technology alongside personalized service.

Resilience and Community Support: Following Hurricane Helene in 2024, the bank operated branches on generators to ensure customers had access to banking services during widespread power outages, exemplifying their community commitment.

Recognition: Named Best Small Bank in Georgia by Newsweek in 2021, and certified as a Great Place to Work in 2022.

Rural Customer Focus: While expanding into larger markets, the bank maintains strong relationships with rural customers who have been integral to the institution since 1902.

Question 7

What type of financial institution is Queensborough National Bank?

Accepted Answer

Queensborough National Bank is a National Bank chartered under federal banking regulations and insured by the Federal Deposit Insurance Corporation (FDIC). As indicated by "National" in its name, it operates under a federal charter issued by the Office of the Comptroller of the Currency (OCC).

The bank also functions as a Community Bank, despite its substantial size with over $2.16 billion in assets. It maintains the operational philosophy and customer service approach characteristic of community banking institutions, prioritizing local relationships, community involvement, and personalized service over purely transactional banking.

With comprehensive commercial and retail banking capabilities, wealth management services, and trust operations, Queensborough operates as a full-service commercial bank serving both individual consumers and business customers throughout its Georgia footprint.

Question 8

How large is Queensborough National Bank?

Accepted Answer

As of the most recent FDIC data, Queensborough National Bank reports approximately $2.16 billion in total assets and $1.93 billion in deposits. The bank operates 25 domestic branch offices across Georgia and employs approximately 245 people.

The bank maintains strong financial performance with a return on assets (ROA) of 1.06% and return on equity (ROE) of 12.92%. In 2024, the bank reported net income of approximately $15.8 million, with earnings per share of $12.18.

These metrics position Queensborough as a substantial regional community bank with the resources to serve diverse customer needs while maintaining the personalized service of a locally-focused institution.

Queensborough National Bank

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About Queensborough National Bank in the United States

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