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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Georgia, the state note

Queensborough National Bank & Trust Co.

Louisville, Georgia · $2.28B in assets · beside the 6 other Georgia banks between $1B and $3B

The filing

24.8%
CRE / loans
1st of 7
68.3%
Loans / deposits
2nd of 7
7.9%
Equity / assets
6th of 7

Queensborough National Bank & Trust Co. is the largest of the 7 Georgia banks between $1B and $3B, with $2.28B in assets at 30 June 2026. Loans are 68.3% of deposits, 2nd of 7 against a median of 81.1%, and equity is 7.9% of assets, 6th of 7. Loans grew +10.4% in the year, 5th of 7, and deposits grew 6.2%; the cohort's median loan growth is +12.4%.

Noncurrent loans are 0.59% of the book, 5th of 7 against a median of 0.55%; 1.06% is 30 to 89 days past due, and the allowance covers them 1.7 times. Commercial real estate is 24.8% of loans, the lowest in the cohort against a median of 35.1%, and 162% of capital, below the 300% screen, with construction at 64% against the 100% screen.

Return on assets is 1.08%, 6th of 7 against a median of 1.57%, on an efficiency ratio of 65.3%, 5th of 7. Five years ago it was 1.18%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansGA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 35.1% QN Queensborough National Bank & Trust Co. 24.8% PB Primesouth Bank 29.5% TN Thomasville National Bank 31.1% B Banksouth 35.1% PB Peoplessouth Bank 37.8% UB United Bank 38.2% AP American Pride Bank 74.7%
Loans, year over yearGA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +12.4% AP American Pride Bank +93.9% B Banksouth +16.2% PB Primesouth Bank +16.2% TN Thomasville National Bank +12.4% QN Queensborough National Bank & Trust Co. +10.4% PB Peoplessouth Bank +9.8% UB United Bank +2.6%

SBA 7(a), FY2008 to FY2026

Queensborough National Bank & Trust Co. is the 74th largest 7(a) lender into Georgia of 409, with $50M across 157 loans, 0.3% of everything approved in the state (Metro City Bank leads with $1.91B). 20 of its 22 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Chatham, GA$13M14th of 1211.9%-5.1 pts
Columbia, GA$12M2nd of 608.7%quiet FY2022
Richmond, GA$8M7th of 653.3%quiet FY2022
Bulloch, GA$7M4th of 339.5%quiet FY2022
Burke, GA$3M4th of 1213.6%thin
Screven, GA$2M2nd of 1022.4%quiet FY2020
Johnson, GA$1M3rd of 821.4%quiet FY2015
Aiken, SC$1M35th of 550.8%quiet FY2020
Mcduffie, GA$775K13th of 202.8%quiet FY2018
Toombs, GA$606K11th of 201.0%quiet FY2020
Candler, GA$595K5th of 78.4%quiet FY2016
Bryan, GA$587K22nd of 401.1%quiet FY2021
Edgefield, SC$509K6th of 214.8%quiet FY2016
9 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade40$16M30.6%0.03%358th of 2,589
Accommodation & food services35$7M14.1%0.01%673rd of 2,596
Health care & social assistance21$6M12.1%0.01%499th of 2,172
Manufacturing5$6M11.6%0.02%616th of 2,246
Transportation & warehousing11$5M9.2%0.04%321st of 1,563
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and Queensborough National
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans QN Queensborough National Bank and T… 0.3% $50M · 157 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Queensborough NationalRankCohort median
Total CRE against capital, the 300% screen162%2nd of 7235%
Construction against capital, the 100% screen64%2nd of 7100%
Construction and land development, share of loans9.9%1st of 714.9%
Non-owner-occupied nonfarm nonresidential, share of loans14.0%3rd of 715.7%
Total CRE, the guidance definition, share of loans24.8%1st of 735.1%
CRE growth over 36 months, the third prong+12.2%3rd of 7+24.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Queensborough National Bank & Trust Co.$2.28B1.1%65.3%0.59%0.04%1.0%68.3%7.9%
Thomasville National Bank$2.18B2.5%38.3%0.22%0.01%2.1%99.3%10.4%
United Bank$2.16B2.6%46.3%0.23%0.00%2.0%50.3%12.0%
Primesouth Bank$1.60B1.9%47.0%1.48%0.03%1.4%99.4%10.9%
Banksouth$1.59B1.6%69.7%0.55%-0.01%1.4%91.0%10.4%
Peoplessouth Bank$1.21B1.5%50.9%1.02%0.01%1.3%78.1%6.5%
American Pride Bank$1.03B0.5%76.7%0.00%0.01%1.0%81.1%12.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Queensborough NationalCohort median
20212026Change20212026Change
Loans$1.02B$1.40B+38%$730M$1.24B+70%
Deposits$1.66B$2.05B+24%$932M$1.36B+46%
NPA / loans1.93%0.59%-1.34 pts0.43%0.55%+0.12 pts
Efficiency65.0%65.3%+0.3 pts60.1%50.9%-9.1 pts
ROA1.18%1.08%-0.09 pts1.34%1.57%+0.22 pts

This read was prepared for Queensborough National Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Queensborough National Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort GA banks $1B to $3B
Institution www.qnbtrust.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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