First State Bank of Randolph County
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of Randolph County is an FDIC-insured commercial bank headquartered in Cuthbert, GA, established in 1900 (FDIC certificate 2157), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $86.9M, up 1.0% from Q2 2025, the 112th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 15.14% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2157
- Headquarters
- Cuthbert, GA
- Established
- 1900
- Total assets, Q2 2026
- $86.9M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 15.14%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061204094
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank of Randolph County call report
- Asset rank in state
- 112th of 121 in Georgia
Problem loans are rising at First State Bank of Randolph County. Based in Cuthbert, Georgia, it had $87 million in assets at June 30, 2026, up 1.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.53% of loans from 4.20% a year earlier. It is losing 15.7% a year on shareholders' equity, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 8.6%). It also keeps 2.49 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.87 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $6.6 million equal 84% of Tier 1 capital, down from 99% a year earlier. It lost $50,000 in the quarter. Where it has less room is capital: it funds 8.30% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 13.06%).
As of June 30, 2026, First State Bank of Randolph County reported a CET1 capital ratio of 15.14%, a return on assets of -0.21%, a nonperforming-loan ratio of 4.53% and a Texas ratio of 90.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First State Bank of Randolph County is the 112th largest of the 121 banks headquartered in Georgia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $86.9M, loans rose 8.1% and deposits fell 2.2%. Owner-occupied commercial real estate loans made up 23.6% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 18.9%. The FDIC Summary of Deposits lists 2 offices for it, in Cuthbert, GA and Shellman, GA; its Cuthbert office books 82% of its branch deposits. By the capital ratios in its Q2 2026 call report, First State Bank of Randolph County meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 81 Court St, Cuthbert, GA 39840
- County
- Randolph
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 3, 1900
- Former names
- First State Bank (1959-1974)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $84.4M
- Allowance for credit losses
- $323K
- Net charge-offs (YTD)
- $9K
- Average total assets
- $93.8M
- Average total loans
- $29.4M
- Average interest-bearing deposits
- $58.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2157
- Fed RSSD
- 140634
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First State Bank of Randolph County's total assets ranged from $82.8M (Q3 2023) to $89.0M (Q4 2024), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$86.9M total assets against $86.0M; $85.6M total liabilities against $85.9M.
$30.3M net loans and leases against $29.2M; $84.4M total deposits against $85.4M.
$37.3M securities against $40.0M; $16.5M cash and balances due against $13.9M.
$908K total interest income against $894K; $364K total interest expense against $390K.
$544K net interest income against $504K.
$54K total noninterest income against $65K; $643K total noninterest expense against $619K.
$5K provision for credit losses against $4K.
-$50K net income against -$54K.
-0.21% return on assets against -0.23%; 2.49% net interest margin against 2.24%.
15.14% CET1 capital ratio against 15.88%; 8.30% tier 1 leverage ratio against 8.49%.
Inside the full First State Bank of Randolph County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring, not yet at the historical failure-risk threshold. BankRegReports early-warning band below the 100% heuristic.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
First State Bank of Randolph County rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.51% (Q3 2025) to 0.10% (Q1 2025) and its net interest margin ran from 2.24% (Q2 2025) to 2.53% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.14% | -0.21% | 4.53% | 90.49% | 2.49% |
| Q1 2026 | 15.71% | -0.28% | 4.68% | 79.65% | 2.30% |
| Q4 2025 | 15.96% | -0.23% | 4.52% | 86.73% | 2.32% |
| Q3 2025 | 15.94% | -0.51% | 4.09% | 92.12% | 2.37% |
| Q2 2025 | 15.88% | -0.23% | 4.20% | 347.31% | 2.24% |
| Q1 2025 | 15.62% | 0.10% | 3.73% | 238.99% | 2.46% |
| Q4 2024 | 15.49% | -0.12% | 3.89% | -960.14% | 2.44% |
| Q3 2024 | 15.41% | 0.00% | 3.76% | 96.73% | 2.53% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank of Randolph County (main office) | Cuthbert , GA | 39840 | $69.0M |
| Shellman Branch | Shellman , GA | 39886 | $15.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 152 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.4M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First State Bank of Randolph County
What are First State Bank of Randolph County's total assets?
As of the Q2 2026 filing, First State Bank of Randolph County reported total assets of $86.9 million in its FFIEC call report.
Where is First State Bank of Randolph County headquartered?
It is headquartered in Cuthbert, GA, United States.
When was First State Bank of Randolph County founded?
It was established in 1900, per the FDIC institution directory.
Is First State Bank of Randolph County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2157). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank of Randolph County?
First State Bank of Randolph County's primary federal regulator is the FDIC.
What is First State Bank of Randolph County's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank of Randolph County operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank of Randolph County's Texas Ratio?
Its Texas Ratio is 90.49% in its Q2 2026 call report, elevated, credit issues exceed half of the bank's capital cushion (50 to 100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First State Bank of Randolph County previously called?
The charter now named First State Bank of Randolph County has also operated as First State Bank (1959-1974), per FDIC structure-change records.
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