First State Bank of Blakely: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8.54 percentage points higher than in Q1 2026, at 42.26%. Within Georgia, First State Bank of Blakely is 40th of 121 on return on assets, 1.86% as of Q2 2026, above the middle of the field. First State Bank of Blakely reported 1.86% on return on assets for Q2 2026, 0.61 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 27.02% |
| Tier 1 risk-based capital ratio | 27.02% |
| Total risk-based capital ratio | 28.27% |
| Tier 1 leverage ratio | 19.19% |
| Equity capital to assets | 19.48% |
| Tangible equity to tangible assets | 19.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.48% |
| Non-performing assets ratio | 2.55% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 12.81% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 42.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.86% |
| Return on equity | 9.73% |
| Net interest margin | 5.01% |
| Efficiency ratio | 49.96% |
| Yield on earning assets | 6.70% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.26% |
| Core deposits to total deposits | 83.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.81% |
| Securities to assets | 16.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 16.79% | 1.78% |
| Q4 2023 | — | — | — | 17.21% | 1.88% |
| Q1 2024 | — | — | — | 17.18% | 1.97% |
| Q2 2024 | — | — | — | 17.34% | 2.02% |
| Q3 2024 | — | — | — | 17.34% | 1.99% |
| Q4 2024 | — | — | — | 17.25% | 1.42% |
| Q1 2025 | 25.35% | 25.35% | 26.60% | 17.60% | 1.86% |
| Q2 2025 | — | — | — | 18.04% | 2.00% |
| Q3 2025 | — | — | — | 18.48% | 1.92% |
| Q4 2025 | 26.81% | 26.81% | 28.06% | 18.50% | 1.47% |
| Q1 2026 | — | — | — | 19.13% | 1.71% |
| Q2 2026 | 27.02% | 27.02% | 28.27% | 19.19% | 1.86% |
First State Bank of Blakely vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Blakely, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank of Blakely profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15496) · FFIEC NIC profile (RSSD 5135)