First Bank of Pike

Headquarters

120 Spring Rd
Molena, GA 30258
See all branch locations →

ACH 61106655

Notable Rates	APY	Vs.Others
Savings	N.A.	4.45% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.00% →
5-Year CD	N.A.	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Bank Information

First Bank of Pike is an FDIC insured institution located in Molena, GA. It was founded in 1899 and has approximately $0.08 billion in assets. Customers can open an account at one of its 3 branches.


FDIC Insured	Yes
FDIC Certificate	# 9070
Date Established	1899
Assets	$ 83.63 million
Loans	$ 52.70 million
Deposits	$ 75.02 million
Capital	$ 7.49 million

For a more detailed analysis of First Bank of Pike's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 17, 2025

Your Current Location: Pennsylvania, PA 10007

Loan Rates - December 17, 2025

Your Current Location: Pennsylvania, PA 10007

There are currently no loan rates available for First Bank of Pike

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Pennsylvania 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 2059741	5.839%	5.750% 1.00 points $3,088 fees	$1,868	Learn More
NMLS ID: 2578474	5.840%	5.750% 0.63 points $3,130 fees	$1,868	Learn More
NMLS ID: 292473	5.853%	5.750% 0.50 points $3,589 fees	$1,868	Learn More

See More Mortgage Rates →

Featured - Pennsylvania Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Agave Home Loans See Table	0.000 %	$0	Learn More More Info
This closed-end, fully amortizing home equity loan offers repayment terms from 15 to 30 years. The Annual Percentage Rate (APR) typically ranges from approximately 7.75% to 13.00%, depending on factors such as credit qualifications, loan-to-value ratio, property type, and market conditions. Origination fees of about 2% to 4% of the loan amount (potentially higher) may apply, and additional closing costs and fees may be required; these will be disclosed in your loan estimate. Minimum loan size of $50,000. All loan applications are subject to credit approval and formal underwriting, and product availability may vary based on property location, state restrictions, and other eligibility criteria. Rates and terms are for illustrative purposes only and are subject to change without notice; this is not a commitment to lend or an offer of credit. Homeowners insurance is required, and flood insurance may be required if the property is located in a Special Flood Hazard Area. Your home secures this loan, and you could lose your property if you fail to make payments. The maximum APR will not exceed the maximum permitted by law in your jurisdiction, and minimum and maximum loan amounts may apply. All information is provided “as is” without warranty of any kind. The lender assumes no liability for errors or omissions and reserves the right to modify or discontinue products at any time without prior notice. REFI, HELOC, & Home Equity Loan Options A+ BBB Rating & 1500+ 5-Star Reviews Get a Quote WITHOUT a Hard Credit Pull Top 3 in Customer Satisfaction by Lending Tree Q4 2024
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

See More Home Equity Rates →

Note to First Bank of Pike
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

First Bank of Pike branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Sayre,Pennsylvania

First Bank of Pike Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Zebulon Branch	739.93	A	View Lobby Hours
Concord Branch	743.88	B	View Lobby Hours
First Bank Of Pike	750.28	C	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

First Bank of Pike is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Add Your Review

or use your Google account

or use your BestCashCow account

Financial Details

First Bank of Pike Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Bank of Pike. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

First Bank of Pike	U.S. Bank Average
7.73%	5.56%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2025, First Bank of Pike had $639,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $7,485,000 in equity and $784,000 in loans loss reserves. That gives it a Texas Ratio of 7.73%.

Return on Equity

First Bank of Pike	U.S. Bank Average
12.86%	11.32%

First Bank of Pike has a Return on Equity of 12.86% versus the BestCashCow average of 11.32%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

First Bank of Pike	U.S. Bank Average
8.95%	11.41%

First Bank of Pike has a Capitalization of 8.95% versus the BestCashCow average of 11.41. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Bank of Pike Balance Sheet Analysis

As of June 30, 2025, First Bank of Pike had assets of $83,625,000, loans of $52,702,000, and deposits of $75,023,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 8.72 million
Interest-bearing balances	$ 7.53 million
Total securities	$ 9.76 million
Federal funds sold and reverse repurchase	$ 7.81 million
Net loans and leases	$ 52.70 million
Loan loss allowance	$ 0.78 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	N.A.
All other assets	$ 2.26 million
Total Assets	$ 76.14 million

LIABILITIES
Total deposits	$ 75.02 million
Interest-bearing deposits	$ 49.71 million
Deposits held in domestic offices	$ 75.02 million
% insured (estimated)	79.72%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 0.79 million
Total Liabilities	$ 76.14 million
Shareholders’ Equity	$ 7.49 million

Summary Income Statement

June 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 2.63 million
Total Interest Expense	$ 0.42 million
Net interest income	$ 2.21 million
Provision for loan and lease losses	$ 0.09 million
Total non interest income	$ 0.51 million
Total non interest expense	$ 2.07 million
Pre-tax Net Operating Income	$ 0.28 million

Bank Loan Profile^?

The top three loan types in First Bank of Pike’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Georgia, First Bank of Pike has a significantly higher percent of Consumer Auto Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	30.59		✓
Multifamily Mortgages	1.13		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	6.58			✓
Small Business Loans	27.09			✓
Construction and Development Loans	10.20		✓
Commercial Real Estate	15.89		✓
Commercial and Industrial Loans	7.14		✓
Farm Loans	0.00	✓

Customer Reviews for First Bank of Pike

There are currently no comments for First Bank of Pike. Be the first to share your experience. Please provide comments that will help others.