Talbot State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Talbot State Bank of Woodland, GA against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.57% | 0.85% | -1.42% | 9th bottom |
| ROAE | -12.98% | 5.23% | -18.21% | 4th bottom |
| Net Interest Margin | 3.75% | 3.94% | -0.19% | 43rd below |
| Efficiency Ratio | 113.00% | 76.13% | +36.87% | 8th bottom |
| PPNR / Avg Assets | -0.59% | — | — | 6th bottom |
| Yield on Earning Assets | 6.25% | 5.42% | +0.83% | 83rd top |
| Cost of Funds | 2.82% | 1.69% | +1.13% | 12th bottom |
| Net Interest Spread | 3.36% | — | — | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.35% | 1.23% | +1.12% | 16th bottom |
| NPA / Total Assets | 1.50% | — | — | 14th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.60% | — | — | 6th bottom |
| ACL / NPLs (Coverage) | 25.45% | — | — | 5th bottom |
| Texas Ratio | 30.87% | 7.23% | +23.64% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.79% | 25.12% | -8.33% | 30th below |
| Tier 1 Ratio | 16.79% | 25.12% | -8.33% | 30th below |
| Total Capital Ratio | 17.61% | — | — | 29th below |
| Leverage Ratio | 7.78% | 14.13% | -6.35% | 2nd bottom |
| Equity / Assets | 4.47% | 13.07% | -8.60% | 2nd bottom |
| TCE / Tangible Assets | 4.47% | — | — | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.89% | 68.58% | +4.31% | 43rd below |
| Core Deposit Ratio | 67.16% | 88.79% | -21.63% | 4th bottom |
| Wholesale Funding Ratio | 7.74% | — | — | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.56% | — | — | 20th bottom |
| Loan Growth (Y/Y) | 4.81% | — | — | 58th above |
| Deposit Growth (Y/Y) | -1.73% | — | — | 23rd bottom |
See Talbot State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Talbot State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Talbot State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Talbot State Bank peer analysis.