Talbot State Bank: 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.
Loan-to-deposit ratio climbed 4.32 percentage points in Q2 2026, from 68.57% to 72.89%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Talbot State Bank is 2nd from the bottom among 121 Georgia banks, -0.57% (Q2 2026). Against a median of 1.00% for banks in the < $100M asset tier, Talbot State Bank reported -0.57% on return on assets in Q2 2026, 1.57 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.79% |
| Tier 1 risk-based capital ratio | 16.79% |
| Total risk-based capital ratio | 17.61% |
| Tier 1 leverage ratio | 7.78% |
| Equity capital to assets | 4.47% |
| Tangible equity to tangible assets | 4.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.35% |
| Non-performing assets ratio | 1.50% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 30.87% |
| Allowance for credit losses to loans | 0.60% |
| Reserve coverage of non-performing loans | 25.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.57% |
| Return on equity | -12.98% |
| Net interest margin | 3.75% |
| Efficiency ratio | 113.00% |
| Yield on earning assets | 6.25% |
| Cost of funds | 2.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.89% |
| Core deposits to total deposits | 67.16% |
| Brokered deposits to total deposits | 19.00% |
| Deposits to assets | 87.59% |
| Securities to assets | 25.32% |
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 | 23.95% | 23.95% | 24.77% | 10.45% | -1.04% |
| Q4 2023 | 22.62% | 22.62% | 23.41% | 10.30% | -1.36% |
| Q1 2024 | 22.35% | 22.35% | 23.15% | 9.70% | -1.28% |
| Q2 2024 | 21.91% | 21.91% | 22.72% | 9.33% | -1.00% |
| Q3 2024 | 21.80% | 21.80% | 22.64% | 9.36% | -1.35% |
| Q4 2024 | 21.12% | 21.12% | 21.96% | 9.80% | -1.39% |
| Q1 2025 | 19.89% | 19.89% | 20.71% | 9.10% | -1.37% |
| Q2 2025 | 19.15% | 19.15% | 19.98% | 8.82% | -1.55% |
| Q3 2025 | 18.52% | 18.52% | 19.35% | 8.59% | -1.13% |
| Q4 2025 | 17.98% | 17.98% | 18.80% | 8.38% | -1.19% |
| Q1 2026 | 17.65% | 17.65% | 18.49% | 7.93% | -1.13% |
| Q2 2026 | 16.79% | 16.79% | 17.61% | 7.78% | -0.57% |
Talbot State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Talbot State Bank, 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 Talbot State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 178) · FFIEC NIC profile (RSSD 577230)