BanksTALBOT STATE BANK

TALBOT STATE BANK

WOODLAND, GAMicroEst. Nov. 25, 1907, midnightFDIC #178RSSD #577230FDIC
Latest · 2025-12-31

TALBOT STATE BANK is an 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%. CET1 capital ratio: 17.98%, well above regulatory minimums. NPL ratio: 1.32% · Texas Ratio: 14.86%. Operates 2 domestic branches.

Assets
$53M
Deposits
$46M
Loans
$31M
Equity
$3M

Profitability

Return on Assets (ROA)-1.17%
Return on Equity (ROE)-23.51%
Net Interest Margin3.68%
Yield on Assets6.53%
Cost of Funds2.76%

Asset Quality

NPL Ratio1.32%
Net Charge-Off Ratio0.00%
Texas Ratio14.86%
NPA Ratio0.78%
ACL / Loans0.63%

Capital & Liquidity

CET1 Ratio17.98%
Tier 1 Capital17.98%
Total Capital Ratio18.80%
Leverage Ratio8.38%
Loan-to-Deposit67.66%

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