Talbot State Bank
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Data as of · sourced from FFIEC call reports. How we update
Talbot State Bank is an FDIC-insured commercial bank headquartered in Woodland, GA, established in 1907 (FDIC certificate 178), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $51.7M, down 1.6% from Q2 2025, the 119th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 16.79% 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
- 178
- Headquarters
- Woodland, GA
- Established
- 1907
- Total assets, Q2 2026
- $51.7M
- Assets vs Q2 2025
- -1.6%
- CET1 ratio, Q2 2026
- 16.79%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061107476
- Holding company
- TSB BANCORP, INC.
- Asset rank in state
- 119th of 121 in Georgia
Talbot State Bank spends more to run itself than most banks of its size. Based in Woodland, Georgia, it had $52 million in assets at June 30, 2026, down 1.6% from a year earlier. It loses about $0.57 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 113 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 cents).
It lost $75,000 in the quarter. Paper losses on its bond portfolio are shrinking: unrealized losses of $1.8 million equal 43% of Tier 1 capital, down from 49% a year earlier. Where it has less room is capital: it funds 7.78% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 13.06%).
As of June 30, 2026, Talbot State Bank reported a CET1 capital ratio of 16.79%, a return on assets of -0.57%, a nonperforming-loan ratio of 2.35% and a Texas ratio of 30.87%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Talbot State Bank is the 119th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $51.7M, loans rose 6.9% and deposits rose 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 85.5% of total loans, followed by construction and land development loans at 5.9%. The FDIC Summary of Deposits lists 2 offices for it, in Fayetteville, GA and Woodland, GA; its Fayetteville office books 71% of its branch deposits. By the capital ratios in its Q2 2026 call report, Talbot State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 76 E Main St, Woodland, GA 31836
- County
- Talbot
- Metro Area
- Columbus, GA-AL
- 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
- November 25, 1907
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $45.2M
- Allowance for credit losses
- $197K
- Net charge-offs (YTD)
- $0
- Average total assets
- $52.2M
- Average total loans
- $31.5M
- Average interest-bearing deposits
- $41.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 178
- Fed RSSD
- 577230
- Website
- www.talbotstatebank.com →
- Parent Holding Company
- TSB BANCORP, INC. (RSSD 1249020)
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
Over the 12 quarters to Q2 2026, Talbot State Bank's total assets ran between $50.8M (Q4 2024) and $57.7M (Q4 2023), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$51.7M total assets against $52.5M; $49.3M total liabilities against $50.1M.
$32.8M net loans and leases against $31.3M; $45.2M total deposits against $46.0M.
$13.1M securities against $13.1M; $4.3M cash and balances due against $6.6M.
$809K total interest income against $747K; $324K total interest expense against $340K.
$485K net interest income against $407K.
$17K total noninterest income against $10K; $579K total noninterest expense against $618K.
$0 provision for credit losses against $0.
-$75K net income against -$201K.
-0.57% return on assets against -1.55%; 3.75% net interest margin against 3.11%.
16.79% CET1 capital ratio against 19.15%; 7.78% tier 1 leverage ratio against 8.82%.
Inside the full Talbot State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.55% (Q2 2025) to -0.57% (Q2 2026) and its net interest margin ran from 3.11% (Q2 2025) to 3.75% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.79% | -0.57% | 2.35% | 30.87% | 3.75% |
| Q1 2026 | 17.65% | -1.13% | 2.15% | 26.36% | 3.33% |
| Q4 2025 | 17.98% | -1.19% | 2.06% | 23.12% | 3.46% |
| Q3 2025 | 18.52% | -1.13% | 2.33% | 26.64% | 3.52% |
| Q2 2025 | 19.15% | -1.55% | 2.32% | 28.84% | 3.11% |
| Q1 2025 | 19.89% | -1.37% | 3.18% | 35.81% | 3.16% |
| Q4 2024 | 21.12% | -1.39% | 2.23% | 25.31% | 3.40% |
| Q3 2024 | 21.80% | -1.35% | 2.63% | 23.17% | 3.20% |
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 |
|---|---|---|---|
| Fayetteville Branch | Fayetteville , GA | 30214 | $32.1M |
| Talbot State Bank (main office) | Woodland , GA | 31836 | $13.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 167 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 99 applications, 61 loans originated, $5.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Talbot State Bank
What are Talbot State Bank's total assets?
As of the Q2 2026 filing, Talbot State Bank reported total assets of $51.7 million in its FFIEC call report.
Where is Talbot State Bank headquartered?
It is headquartered in Woodland, GA, United States.
When was Talbot State Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Talbot State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Talbot State Bank?
Talbot State Bank's primary federal regulator is the FDIC.
What is Talbot State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Talbot State Bank 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 Talbot State Bank's Texas Ratio?
Its Texas Ratio is 30.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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