West Central Georgia Bank
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Data as of · sourced from FFIEC call reports. How we update
West Central Georgia Bank is an FDIC-insured commercial bank headquartered in Thomaston, GA, established in 1974 (FDIC certificate 21526), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $160.4M, up 1.9% from Q2 2025, the 97th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 22.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21526
- Headquarters
- Thomaston, GA
- Established
- 1974
- Total assets, Q2 2026
- $160.4M
- Assets vs Q2 2025
- +1.9%
- Tier 1 leverage ratio, Q2 2026
- 22.22%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061102523
- Latest call report
- Q2 2026, FFIEC 051 · West Central Georgia Bank call report
- Holding company
- WCG BANCSHARES, INC.
- Asset rank in state
- 97th of 121 in Georgia
West Central Georgia Bank carries far more capital than most banks of its size. Based in Thomaston, Georgia, it had $160 million in assets at June 30, 2026, up 1.9% from a year earlier. It funds 22.22% of its assets with Tier 1 capital, about double the median of 10.99% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Its $13 million non-owner-occupied commercial real estate book is now fully current, after 5.04% of it was past due or on nonaccrual a year earlier. Net income for the quarter rose 18% from a year earlier, to $684,000. Profitability lags: it returns 8.1% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, West Central Georgia Bank reported a return on assets of 1.66%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.10%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, West Central Georgia Bank is the 97th largest of the 121 banks headquartered in Georgia. From Q1 2026 to Q2 2026, its total assets fell 1.4% to $160.4M, loans rose 2.2% and deposits fell 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 56.9% of total loans, followed by non-owner-occupied commercial real estate loans at 16.9%. The FDIC Summary of Deposits lists 2 offices for it, in Thomaston, GA. Judged on its Q2 2026 call report, West Central Georgia Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 617 N Church St, Thomaston, GA 30286
- County
- Upson
- Metro Area
- Thomaston, GA
- 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
- April 15, 1974
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $123.7M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $164.7M
- Average total loans
- $79.3M
- Average interest-bearing deposits
- $92.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 15, 1974
- FDIC Cert
- 21526
- Fed RSSD
- 280138
- Website
- www.wcgb.com →
- Parent Holding Company
- WCG BANCSHARES, INC. (RSSD 1083998)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, West Central Georgia Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, West Central Georgia Bank's total assets ranged from $145.2M (Q3 2023) to $162.7M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$160.4M total assets against $157.4M; $126.3M total liabilities against $124.8M.
$77.7M net loans and leases against $75.7M; $123.7M total deposits against $122.0M.
$47.2M securities against $51.2M; $26.7M cash and balances due against $21.6M.
$2.1M total interest income against $2.0M; $405K total interest expense against $406K.
$1.7M net interest income against $1.6M.
$314K total noninterest income against $295K; $1.1M total noninterest expense against $1.1M.
$33K provision for credit losses against $62K.
$684K net income against $581K.
1.66% return on assets against 1.49%; 4.35% net interest margin against 4.29%.
22.22% tier 1 leverage ratio against 23.08%.
Inside the full West Central Georgia Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWest Central Georgia Bank rankings
Its closest position to the top of a national ranking is 970 of 3,611, for ROA; its furthest is 3,241 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.97% (Q4 2024) to 1.75% (Q4 2025) and its net interest margin ran from 4.20% (Q1 2026) to 4.44% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.22% | 1.66% | 0.04% | 0.10% | 4.35% |
| Q1 2026 | 22.33% | 1.56% | 0.00% | 0.00% | 4.20% |
| Q4 2025 | 22.83% | 1.75% | 0.04% | 0.09% | 4.42% |
| Q3 2025 | 22.87% | 1.72% | 0.00% | 0.00% | 4.44% |
| Q2 2025 | 23.08% | 1.49% | 0.03% | 0.08% | 4.29% |
| Q1 2025 | 23.66% | 1.19% | 0.01% | 0.02% | 4.21% |
| Q4 2024 | 23.98% | 0.97% | 0.00% | 0.00% | 4.25% |
| Q3 2024 | 24.50% | 1.47% | 0.00% | 0.00% | 4.39% |
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 |
|---|---|---|---|
| West Central Georgia Bank (main office) | Thomaston , GA | 30286 | $119.8M |
| North Thomaston Branch | Thomaston , GA | 30286 | $3.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 140 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 West Central Georgia Bank
What are West Central Georgia Bank's total assets?
As of the Q2 2026 filing, West Central Georgia Bank reported total assets of $160.4 million in its FFIEC call report.
Where is West Central Georgia Bank headquartered?
It is headquartered in Thomaston, GA, United States.
When was West Central Georgia Bank founded?
It was established in 1974, per the FDIC institution directory.
Is West Central Georgia Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Central Georgia Bank?
West Central Georgia Bank's primary federal regulator is the FDIC.
How many branches does West Central Georgia 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 West Central Georgia Bank's Texas Ratio?
Its Texas Ratio is 0.10% 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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