FIRST STATE BANK OF BLAKELY

BLAKELY, GA | Medium | Est. Jan. 1, 1903, midnight | FDIC #15496 | RSSD #5135 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF BLAKELY is amn medium FDIC-insured commercial bank headquartered in BLAKELY, GA, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $669M and total deposits of $529M. Profitability stands at 1.49% ROA and 7.98% ROE, with a net interest margin of 4.85%. The bank's CET1 capital ratio is 26.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.93% and a Texas Ratio of 13.30%. FDIC Certificate #15496.

Assets

$669M

Deposits

$529M

Loans

$437M

Equity

$125M

Profitability

Return on Assets (ROA) 1.49%
Return on Equity (ROE) 7.98%
Net Interest Margin (NIM) 4.85%
Yield on Assets 6.96%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 3.93%
Net Charge-Off Ratio 0.42%
Texas Ratio 13.30%
NPA Ratio 2.61%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 26.81%
Tier 1 Capital 26.81%
Total Capital Ratio 28.06%
Leverage Ratio 18.50%
Loan-to-Deposit 82.72%

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