st National Community Bank is a locally owned community bank. We are deeply committed to the success and growth of local businesses and the financial prosperity of our customers in our community with extraordinary involvement in the communities we have served since 1975.
We pride ourselves in our experienced staff of familiar local Bankers and Commercial Relationship Managers that collectively bring over 340 years of banking experience to serve you and understand our community better than anyone else. We take the time to personally get to know each and every one of our customers, always providing superior service and having the success of your financial future top of mind.
We are proud to offer a full range of competitively priced business banking and personal banking products and services that are designed for your specific needs with prompt, professional service based on an exceeds-expectations delivery of products and services to customers, community and team as the hallmark of everything that we do. Whether it is a home mortgage loan, business loan or consumer loan, or a totally free checking account, we have you covered. Additionally, the bank offers state-of-the art online banking and mobile banking systems available anytime and from anywhere.
Over the years, our branch footprint has evolved into a network of 7 branches and 3 mortgage and loan production offices throughout northwest Georgia in the cities of Adairsville, Calhoun, Cartersville, Chatsworth, Dalton (2 branch locations) and Eton, a mortgage office in Dalton and loan production offices in Paulding County, Georgia and Chattanooga, Tennessee. In addition, First National Community Bank is Coming Soon to the Rome, Georgia market!
As a community bank, decisions are made locally. When you come into any of our branches you will be talking with a banking professional who can handle all your financial needs and provide solutions customized to your unique needs. We look forward to putting our experience to work for you.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154