Bank call report · Thomaston, GA
West Central Georgia Bank Call Report
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West Central Georgia Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 246 reported line items, schedule by schedule (436 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 280138 |
| FDIC certificate number | 21526 |
| Total assets | $160.4M |
Official Q2 2026 call report PDF (FFIEC) →
West Central Georgia Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (21 items)
About Schedule RC · West Central Georgia Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $160.4M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $160.4M |
| Total Liabilities and Minority Interest | RCON2948 | $126.3M |
| Total Deposits | RCON2200 | $123.7M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $89.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $79.5M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $77.7M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $47.2M |
| Total Equity Capital | RCON3210 | $34.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $34.0M |
| Deposits: Noninterest-bearing | RCON6631 | $33.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $28.6M |
| Interest-bearing Balances | RCON0071 | $25.6M |
| Other Assets | RCON2160 | $8.1M |
| Surplus | RCON3839 | $7.2M |
| Other Liabilities, Total | RCON2930 | $2.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.1M |
| Common Stock | RCON3230 | $800K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $605K |
Schedule RI: Income Statement (36 items)
About Schedule RI · West Central Georgia Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $4.0M |
| Net Interest Income | RIAD4074 | $3.2M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $3.0M |
| Total Noninterest Expense | RIAD4093 | $2.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.6M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.3M |
| Net Income (Loss) | RIAD4340 | $1.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.2M |
| Salaries and Employee Benefits | RIAD4135 | $1.1M |
| Total Interest Expense | RIAD4073 | $805K |
| Other Noninterest Expense | RIAD4092 | $767K |
| Total Noninterest Income | RIAD4079 | $637K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $408K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $370K |
| Interest on Other Securities | RIAD4060 | $362K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $358K |
| Applicable Income Taxes | RIAD4302 | $319K |
| Other Noninterest Income | RIADB497 | $319K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $314K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $259K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $250K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $244K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $235K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $135K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $106K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $94K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $75K |
| Provision for Loan and Lease Losses | RIAD4230 | $66K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $66K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $19K |
| Noninterest income: Income from insurance activities | RIADHT74 | $4K |
| Other Interest Income | RIAD4518 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 27 |
Schedule RC-B: Securities (24 items)
About Schedule RC-B · West Central Georgia Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $50.7M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $29.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $27.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $16.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $12.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $11.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $9.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $9.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $8.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $7.2M |
| Pledged Securities | RCON0416 | $6.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $5.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $3.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $1.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $924K |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $886K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $406K |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $249K |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $245K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $136K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $94K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $28K |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · West Central Georgia Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $79.5M |
| Pledged Loans and Leases | RCONG378 | $53.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $40.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $21.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $13.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $12.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $12.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $12.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $11.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $6.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $6.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $6.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $5.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $5.5M |
| Commercial and Industrial Loans | RCON1766 | $4.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $4.2M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $3.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $3.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $2.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $1.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $765K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $386K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $246K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $185K |
| Other Loans | RCONJ464 | $136K |
| Unearned Income on Loans | RCON2123 | $129K |
| Real Estate Loans Secured by Farmland | RCON1420 | $123K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $101K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (20 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $8.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $1.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $1.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $822K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $100K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $79K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $26K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $18K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 97 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 23 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 18 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 16 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 11 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 1 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · West Central Georgia Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $62.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $62.4M |
| Total Transaction Accounts | RCON2215 | $61.2M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $57.2M |
| Total Demand Deposits (See Note Below) | RCON2210 | $33.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $18.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $16.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $16.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $13.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $11.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $10.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $8.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $5.7M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $4.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $4.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $4.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $4.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $4.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $2.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $2.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $772K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $314K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $264K |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $138K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $5.1M |
| Net Deferred Tax Assets | RCON2148 | $1.8M |
| Other Assets | RCON2168 | $582K |
| Accrued Interest Receivable | RCONB556 | $544K |
| Prepaid Expenses | RCON2166 | $136K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $115K |
Schedule RC-G: Other Liabilities (2 items)
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · West Central Georgia Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $164.7M |
| Quarterly Average of Total Loans | RCON3360 | $79.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $44.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $35.0M |
| All Other Securities | RCONB560 | $29.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $28.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $26.4M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $25.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $23.5M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $13.2M |
| Mortgage-backed Securities | RCONB559 | $8.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $5.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $4.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $4.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $438K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · West Central Georgia Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $6.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $3.2M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $1.5M |
| Year-to-date Merchant Credit Card Sales Volume: Sales for Which the Reporting Bank Is the Acquiring Bank | RCONC223 | $1.4M |
| Unused Commitments - Credit Card Lines | RCON3815 | $1.1M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.1M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $500K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $300K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · West Central Georgia Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $807K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)
About Schedule RC-N · West Central Georgia Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $851K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $302K |
| Additions to Nonaccrual Assets | RCONC410 | $214K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $120K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $101K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $100K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $80K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $77K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $65K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $35K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $29K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $6K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $6K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · West Central Georgia Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $164.7M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $124.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $85.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $36.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $31.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $5.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,416 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 244 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 65 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 7 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · West Central Georgia Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $164.7M |
| Average total consolidated assets | RCOAKW03 | $164.7M |
| Total Assets | RCOA2170 | $160.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $36.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $36.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $36.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $34.0M |
| Retained Earnings | RCOAKW00 | $28.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $8.0M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $3.5M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $3.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.5M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$2.5M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $300K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.2222 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0216 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $34.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $33.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $33.8M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.0M |
| Other Comprehensive Income | RIADB511 | -$108K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · West Central Georgia Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $21K |
| Charge-offs on Automobile Loans | RIADK129 | $15K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $14K |
| Recoveries on Automobile Loans | RIADK133 | $9K |
| Charge-offs on All Other Loans | RIAD4644 | $6K |
| Recoveries on All Other Loans | RIAD4628 | $5K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · West Central Georgia Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.8M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $21K |
West Central Georgia Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the West Central Georgia Bank call report?
The West Central Georgia Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does West Central Georgia Bank file?
West Central Georgia Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the West Central Georgia Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: West Central Georgia Bank has Federal Reserve RSSD ID 280138 and FDIC certificate number 21526. Either one finds its filings on the FFIEC Central Data Repository.
How often does West Central Georgia Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
West Central Georgia Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 21526) · FFIEC NIC profile (RSSD 280138)