☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Flint Community Bank

iAdvertiser Disclosure

Flint Community Bank Rates & Review September 2026

Q: How many branches does Flint Community Bank operate?

Flint Community Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Flint Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Flint Community Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Flint Community Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Flint Community Bank, and you can see how they compare in the Flint Community Bank rate tables below. MonitorBankRates evaluates the financial stability of Flint Community Bank with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.53%. Database rates last updated and verified on 09/23/2026.

Flint Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Flint Community Bank? Share your experience about Flint Community Bank by leaving a review below, or read customer reviews before you decide to use Flint Community Bank.

Overall Health & Safety Grade

B+

Good Health Score: 88/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

18.53%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Flint Community Bank

2910 Meredyth Dr
Albany, GA 31721

https://www.flint.bank

Current Rate Availability

We're not currently displaying rates for Flint Community Bank, but our database is updated constantly, so check back soon for the latest offers.

Are you with Flint Community Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

Flint Community Bank’s Texas Ratio rose from 6.00% in Q3 2023 to 18.53% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.7 and its Health Grade from A to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$357M	18.53%	4.7	B+
March 31, 2026	$352M	18.20%	4.7	B+
December 31, 2025	$332M	16.50%	4.9	A-
September 30, 2025	$331M	17.08%	4.8	B+
June 30, 2025	$331M	15.91%	4.9	A-
March 31, 2025	$336M	16.48%	4.9	A-
December 31, 2024	$316M	17.47%	4.8	B+
September 30, 2024	$307M	18.94%	4.7	B+
June 30, 2024	$308M	19.36%	4.6	B
March 31, 2024	$314M	16.53%	4.9	A-
December 31, 2023	$307M	5.91%	5.0	A+
September 30, 2023	$315M	6.00%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Flint Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Flint Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Flint Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Flint Community Bank

Bank Holding Company FLINT COMMUNITY BANCSHARES INC

Address 2910 Meredyth Dr, Albany, GA 31721 · Dougherty

Website https://www.flint.bank

FDIC Certificate # 58074

Established 20060203

FDIC Insurance Date 20060203

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 88/100

4.7

Excellent Out of 5.0 Stars

18.53%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.0997%

Return on Equity (ROE) 23.0700%

Non-Performing Loans (NPL) 1.60%

Total Assets $357,109,000

Total Deposits $310,416,000

Equity Capital $32,139,000

Net Income $3,644,000

Headquarters Albany

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

There are no reviews for Flint Community Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Flint Community Bank

Frequently Asked Questions About Flint Community Bank

How many branches does Flint Community Bank operate?

Flint Community Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Flint Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Flint Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does Flint Community Bank offer online and mobile banking?

Most modern institutions like Flint Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.flint.bank.