Ray City, GA Financial Center

First Commerce has added four new locations in Georgia, following our acquisition on April 1 of The Citizens Bank, headquartered in Nashville, GA.  Our new financial centers are located in Nashville, Adel, Ray City and Valdosta on Bemiss Rd. Between now and November 1, our new locations will continue to provide service for the banking products already enjoyed by former Citizens Bank customers. Additionally, First Commerce will offer select services, such as deposits, withdrawals, and loan payments at our new locations for individuals and businesses who were members of First Commerce prior to April 1.

Welcome to our Ray City financial center conveniently located on Patten Ave.


860 Patten Ave.
Ray City, GA 31645


Monday - Thursday: 9:00 a.m.-4:00 p.m. (Closed for lunch from 1 to 2 p.m.)
Friday: 9:00 a.m.-5:00 p.m. (Closed for lunch from 1 to 2 p.m.)

Drive-Thru Hours:

Monday - Thursday: 8:30 a.m.-4:00 p.m.
Friday: 8:30 a.m.-5:00 p.m.


Full-service lobby
Drive-thru banking