WEST CENTRAL GEORGIA BANK

THOMASTON, GA | Small | Est. April 15, 1974, midnight | FDIC #21526 | RSSD #280138 | FDIC
Latest Report: 2025-12-31

WEST CENTRAL GEORGIA BANK is asn small FDIC-insured commercial bank headquartered in THOMASTON, GA, established in April 15, 1974, midnight. As of 2025-12-31, the bank reported total assets of $158M and total deposits of $121M. Profitability stands at 1.76% ROA and 8.27% ROE, with a net interest margin of 4.54%. The bank's CET1 capital ratio is 21.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #21526.

Assets

$158M

Deposits

$121M

Loans

$79M

Equity

$34M

Profitability

Return on Assets (ROA) 1.76%
Return on Equity (ROE) 8.27%
Net Interest Margin (NIM) 4.54%
Yield on Assets 5.68%
Cost of Funds 1.36%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.11%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 2.19%

Capital & Liquidity

CET1 Ratio 21.47%
Tier 1 Capital 21.47%
Total Capital Ratio 22.55%
Leverage Ratio 22.83%
Loan-to-Deposit 65.46%

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