TALBOT STATE BANK

WOODLAND, GA | Micro | Est. Nov. 25, 1907, midnight | FDIC #178 | RSSD #577230 | FDIC
Latest Report: 2025-12-31

TALBOT STATE BANK is amn micro FDIC-insured commercial bank headquartered in WOODLAND, GA, established in Nov. 25, 1907, midnight. As of 2025-12-31, the bank reported total assets of $53M and total deposits of $46M. Profitability stands at -1.17% ROA and -23.51% ROE, with a net interest margin of 3.68%. The bank's CET1 capital ratio is 17.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.32% and a Texas Ratio of 14.86%. FDIC Certificate #178.

Assets

$53M

Deposits

$46M

Loans

$31M

Equity

$3M

Profitability

Return on Assets (ROA) -1.17%
Return on Equity (ROE) -23.51%
Net Interest Margin (NIM) 3.68%
Yield on Assets 6.53%
Cost of Funds 2.95%

Asset Quality

NPL Ratio 1.32%
Net Charge-Off Ratio 0.00%
Texas Ratio 14.86%
NPA Ratio 0.78%
ACL / Loans 0.63%

Capital & Liquidity

CET1 Ratio 17.98%
Tier 1 Capital 17.98%
Total Capital Ratio 18.80%
Leverage Ratio 8.38%
Loan-to-Deposit 67.66%

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