Total Assets
$669M
Total balance-sheet footings
FDIC Cert #15496 · Blakely, Georgia · Est. 1903
First State Bank of Blakely - FDIC Bank Health Profile
A community-scale look at First State Bank of Blakely's own numbers, pulled straight from its quarterly FDIC Call Report.
- $669M
- Total assets
- A
- Health grade · Excellent
- 1.82%
- Return on assets
- 26.8%
- Tier 1 capital
Data updated July 2026
The verdict
First State Bank of Blakely earns a PlainBankData health grade of A (93/100), with well-capitalized at 26.81% Tier 1, profitable at 1.82% ROA, efficient (50% cost ratio).
- #1,426
- largest of 4,313 FDIC banks by assets
- 67th
- percentile by asset size, nationally
- 26.81%
- Tier 1 ratio - above the 10% well-capitalized line
- 86th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First State Bank of Blakely's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First State Bank of Blakely's composite health score
Tier 1 Capital Ratio (26.81%) 40/40
Return on Assets (ROA) (1.82%) 25/25
Texas Ratio (13.16%) 16/20
Efficiency Ratio (50.47%) 12/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$529M
Customer-funded liabilities
Net Loans
$431M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First State Bank of Blakely ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of Blakely's score of 93/100 falls in the highlighted band.
First State Bank of Blakely's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First State Bank of Blakely's $669M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
26.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
26.81%
Texas Ratio
13.16%
Equity Capital
$125M
Profitability metrics
Return on Assets (ROA)
86th percentile nationally
1.82%
Return on Equity (ROE)
10.05%
Efficiency Ratio
50.47%
What the numbers say about First State Bank of Blakely
First State Bank of Blakely is an FDIC-insured institution (Certificate #15496) headquartered in Blakely, Georgia, established in 1903. It holds $669M in total assets - 1,426th of 4,313 FDIC-insured banks, $529M in customer deposits, and $431M in net loans. Looking at capital strength, Tier 1 stands at 26.81%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 13.16%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (93/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Georgia, First State Bank of Blakely ranks 26th of 129 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$44M
Interest Income
$2M
Non-Interest Income
$17M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank of Blakely reports a Texas Ratio of 13.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank of Blakely (FDIC Cert #15496) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is First State Bank of Blakely's health grade?▼
First State Bank of Blakely receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First State Bank of Blakely?▼
First State Bank of Blakely holds $669M in total assets and $529M in deposits, ranking 1,426th of 4,313 FDIC-insured banks by asset size. It is headquartered in Blakely, Georgia.
Is my money safe at First State Bank of Blakely?▼
Yes, deposits at First State Bank of Blakely (Certificate #15496) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First State Bank of Blakely's Tier 1 Capital Ratio?▼
First State Bank of Blakely has a Tier 1 Capital Ratio of 26.81%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First State Bank of Blakely?▼
First State Bank of Blakely has a Texas Ratio of 13.16%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First State Bank of Blakely?▼
First State Bank of Blakely has an Efficiency Ratio of 50.47%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First State Bank of Blakely's profile as a depositor or analyst.
- First State Bank of Blakely's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First State Bank of Blakely against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.