North Georgia National Bank
North Georgia National Bank is a private community bank headquartered in Calhoun, Georgia, serving personal and small-business customers across Northwest Georgia through three branches and digital banking channels for deposits, loans, mortgages, and cash management.
- Company typePrivate
- Founded1999
- HeadquartersCalhoun, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What North Georgia National Bank does
North Georgia National Bank (NGNB) is a privately-held community bank headquartered in Calhoun, Georgia, operating three physical branches across Northwest Georgia (Main Office in Calhoun, Red Bud Branch, and Dalton Branch). The institution serves both personal and small-to-medium-sized business customers, offering a comprehensive suite of deposit products — checking, savings, money market, certificates of deposit, and individual retirement accounts — alongside lending products including personal loans, mortgages, and commercial loans, as well as debit and credit card services with instant-issue capability.
The bank's technology stack is built on a third-party core banking platform provided by OMNICOMMANDER, which powers its website and digital banking infrastructure. Customer-facing digital channels include a Personal Online Banking portal, a Business Online Banking platform with Cash Management tools (ACH Manager, Wire Manager, Remote Deposit, ACH Alert, and Check Alert), and a Mobile Banking application that supports mobile deposit, bill pay, and debit card management via a CardValet integration. Check reordering is fulfilled through an OrderMyChecks integration. The institution is FDIC-insured and designated as an Equal Housing Lender, with U.S. operations confirmed by its Georgia routing number (061119642).
NGNB generates revenue through traditional banking channels: net interest income from personal, mortgage, and business lending; account-related fees across deposit products and card services; and fee-based business banking services including ACH and wire transfer processing. Its go-to-market model is direct-to-consumer via the branch network and digital self-service channels, targeting both households and SMBs within the regional Northwest Georgia market. In 2025, the institution rebranded from Millennium Bank following a merger with NGNB, retaining prior staff and continuity of service. Pricing is not publicly disclosed, and no revenue figures are available in the source material.
North Georgia National Bank firmographics
Firmographics- Name
- North Georgia National Bank
- Legal name
- North Georgia National Bank
- Website
- https://ngnb.net
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- North Georgia National Bank is a private community bank headquartered in Calhoun, Georgia, serving personal and small-business customers across Northwest Georgia through three branches and digital banking channels for deposits, loans, mortgages, and cash management.
- Ownership category
- akta.pro rank
North Georgia National Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where North Georgia National Bank is headquartered
LocationHeadquarters
- HQ city
- Calhoun
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
North Georgia National Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Interest Income: Traditional banking revenue generated from interest on loans including personal loans, mortgages, and business loans
- Banking Service Fees: Fees generated from checking accounts, savings accounts, money market accounts, CDs, IRAs, and card services
- Business Banking Services: Revenue from business checking, business savings, business loans, and cash management services including ACH and wire transfers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personal and Business banking products |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
North Georgia National Bank product offering
Product offeringCore offering
North Georgia National Bank operates as a community bank offering personal and business banking products and services through three branches in Northwest Georgia. Its offerings include checking and savings accounts, money market accounts, certificates of deposit, IRAs, personal and business loans, mortgages, debit and credit card services, and digital banking tools including online banking, mobile banking with CardValet, and cash management.
Product overview
North Georgia National Bank operates as a regional community bank offering a unified suite of banking products and services through multiple delivery channels. The portfolio spans personal and business banking segments with core deposit products (checking, savings, money market, CDs, IRAs), lending solutions (personal loans, mortgages, business loans), and card services. Digital banking is delivered through Personal Online Banking, Business Online Banking, and Mobile Banking platforms. Business customers have access to a Cash Management module featuring ACH Manager, Wire Manager, Remote Deposit, and alert services. All products are accessible through the bank's three physical locations in Georgia (Main Office, Red Bud Branch, Dalton Branch) and reinforced by FDIC insurance and Equal Housing Lender designations.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts
- Personal Savings and Money Market Accounts
- Certificates of Deposit (CDs)
- Individual Retirement Accounts (IRAs)
- Personal Loans and Mortgages
- Card Services
- Business Checking and Savings Accounts
- Business Loans
- Online Banking
- Mobile Banking with CardValet
- Cash Management Services
Companies that use North Georgia National Bank
Customer profileSegments2 records
Ideal customer profiles2 records
North Georgia National Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
North Georgia National Bank partnerships and signals
Strategic signalScale indicators1 record
Recent moves5 records
Expansion highlights4 records
North Georgia National Bank competitors and assessment
Company assessmentDirect peers
- United Community Banks: A Georgia-headquartered community bank serving regional markets across the Southeast with retail and commercial banking products. Highly comparable to NGNB in customer base (personal and SMB), product suite (deposits, loans, mortgages), and community-bank positioning.
- Ameris Bank: A Southeast-focused community bank headquartered in Atlanta offering checking, savings, loans, and treasury management to consumers and businesses. Comparable to NGNB on community-banking model, deposit-led funding, and concentration in Georgia markets.
- Cadence Bank: A regional commercial bank with strong presence in the Southeast providing personal and business banking, treasury management, and lending. Comparable in deposit products, cash management tooling, and SMB focus.
- Fidelity Bank (Atlanta): A privately held Georgia-based community bank offering full personal and business banking services including cash management. Similar community-bank delivery model and SMB focus to NGNB.
- Queensborough National Bank & Trust: A community bank in Georgia operating branches in coastal and southern markets, offering personal and business banking. Comparable product breadth (checking, savings, loans, treasury) and community-bank positioning.
- South Georgia Banking Company: A Georgia-based community bank offering consumer and small-business banking products. Closely comparable to NGNB in scale, community-bank focus, and Georgia regional operating geography.
- Citizens Bank of Americus: A small community bank headquartered in Americus, Georgia, providing personal and business deposit and loan products. Comparable peer at similar size with the same deposit-led community banking model.
Broad incumbents
- Synovus Financial: A large Southeast regional bank headquartered in Columbus, Georgia, providing full consumer and commercial banking. Overlaps with NGNB in product set but operates broader, multi-state franchise.
- Truist Financial: A top-10 US commercial bank with deep branch presence across Georgia, offering deposits, mortgages, cash management, and digital banking. Operates as a scaled incumbent that NGNB competes against for retail and SMB relationships.
Others
- OMNICOMMANDER: The digital banking platform vendor that powers NGNB's website and digital banking infrastructure. An enabling technology partner rather than a competitor, but materially relevant to NGNB's operating cost and feature roadmap.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
North Georgia National Bank social profiles
Digital presenceNorth Georgia National Bank compliance and trust
Trust signalCompliance2 records
North Georgia National Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
North Georgia National Bank leadership team
Management profileNumber of profiles
North Georgia National Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
North Georgia National Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about North Georgia National Bank
What does North Georgia National Bank do?
North Georgia National Bank operates as a community bank offering personal and business banking products and services through three branches in Northwest Georgia. Its offerings include checking and savings accounts, money market accounts, certificates of deposit, IRAs, personal and business loans, mortgages, debit and credit card services, and digital banking tools including online banking, mobile banking with CardValet, and cash management.
Is North Georgia National Bank a public or private company?
North Georgia National Bank is a private company. It is classified as unknown and is currently operating.
When was North Georgia National Bank founded?
North Georgia National Bank was founded in 1999. It employs 11 to 50 people.
Where is North Georgia National Bank based?
North Georgia National Bank is headquartered in Calhoun, United States, in the North America region.
How does North Georgia National Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are banking Service Fees and business Banking Services.
Who are North Georgia National Bank's main competitors?
Direct peers on record are United Community Banks, Ameris Bank, Cadence Bank, Fidelity Bank (Atlanta), Queensborough National Bank & Trust, South Georgia Banking Company and Citizens Bank of Americus. Broad incumbents are Synovus Financial and Truist Financial. OMNICOMMANDER is listed as an others.
Does North Georgia National Bank have an API?
No public API is recorded for North Georgia National Bank.
What industry is North Georgia National Bank in?
North Georgia National Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 52211 and its SIC code is 6021.