WHEELER COUNTY STATE BANK

ALAMO, GA | Small | RSSD #989534
Latest Report: 2025-12-31

WHEELER COUNTY STATE BANK is asn small FDIC-insured commercial bank headquartered in ALAMO, GA. As of 2025-12-31, the bank reported total assets of $170M and total deposits of $146M. Profitability stands at -2.32% ROA and -16.05% ROE, with a net interest margin of 5.16%. The bank's CET1 capital ratio is 13.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 0.77%.

Assets

$170M

Deposits

$146M

Loans

$97M

Equity

$23M

Profitability

Return on Assets (ROA) -2.32%
Return on Equity (ROE) -16.05%
Net Interest Margin (NIM) 5.16%
Yield on Assets 6.51%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.09%
Texas Ratio 0.77%
NPA Ratio 0.11%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 13.44%
Tier 1 Capital 13.44%
Total Capital Ratio 14.11%
Leverage Ratio 13.91%
Loan-to-Deposit 66.36%

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