Bank Comparison
West Central Georgia Bank vs Security Bank of Pulaski County
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | West Central Georgia Bank | Security Bank of Pulaski County |
|---|---|---|
| CET1 Ratio | — | 13.32% |
| Tier 1 Capital Ratio | — | 13.32% |
| Total Capital Ratio | — | 14.55% |
| Tier 1 Leverage Ratio | 22.33% | 8.72% |
| Equity / Assets | 20.84% | 8.24% |
Profitability
| Metric | West Central Georgia Bank | Security Bank of Pulaski County |
|---|---|---|
| Return on Assets (ROA) | 1.56% | 0.99% |
| Return on Equity (ROE) | 7.51% | 12.11% |
| Net Interest Margin (NIM) | 4.20% | 4.50% |
| Yield on Earning Assets | 5.24% | 6.46% |
| Cost of Funds | 1.29% | 1.90% |
Asset quality
| Metric | West Central Georgia Bank | Security Bank of Pulaski County |
|---|---|---|
| Texas Ratio | 0.00% | 11.46% |
| Non-Performing Loan Ratio | 0.00% | 1.08% |
| Non-Performing Asset Ratio | 0.00% | 1.01% |
| Net Charge-Off Ratio | 0.07% | 0.26% |
| ACL / Loans | 2.26% | 1.32% |
Balance sheet
| Metric | West Central Georgia Bank | Security Bank of Pulaski County |
|---|---|---|
| Total Assets | $162,703K | $162,478K |
| Total Deposits | $126,140K | $146,392K |
| Total Loans | $77,738K | $95,694K |
| Total Equity | $33,910K | $13,383K |
| Net Income (quarter) | $636 | $403 |
Liquidity & funding
| Metric | West Central Georgia Bank | Security Bank of Pulaski County |
|---|---|---|
| Loan-to-Deposit Ratio | 61.63% | 65.37% |
| Core Deposit Ratio | 95.97% | 90.43% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | West Central Georgia Bank | Security Bank of Pulaski County |
|---|---|---|
| Headquarters City | THOMASTON | SAINT ROBERT |
| Headquarters State | GA | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 27 | 29 |
| Established | April 15, 1974, midnight | Jan. 1, 1936, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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