FDIC Cert #2157 · Cuthbert, Georgia · Est. 1900

First State Bank of Randolph County - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$86M
Total assets
D
Health grade · Weak
-0.23%
Return on assets
16.0%
Tier 1 capital

Data updated July 2026

The verdict

First State Bank of Randolph County earns a PlainBankData health grade of D (40/100), with well-capitalized at 15.96% Tier 1, -0.23% ROA, 108% efficiency ratio.

#3,860
largest of 4,313 FDIC banks by assets
10th
percentile by asset size, nationally
15.96%
Tier 1 ratio - above the 10% well-capitalized line
4th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 2157 · GA D · 40/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-WATCH · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-D D (40/100)
  • BOTTOM-DECILE #4236/4307
  • PHOTO-FINISH SouthPoint Bank · AL
  • TIER1-WELL 16.0% Tier 1
  • TEXAS-WATCH 72.4% Texas
  • ROA-LOSS -0.23% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: SouthPoint Bank, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First State Bank of Randolph County

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bison State Bank · KS · near41/100Tri-County Bank & Tr… · IN ·…41/100First State Bank of… · GA · …40/100SouthPoint Bank · AL · near40/100Bank of Frankewing · TN · ne…39/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank of Randolph County · July 2026

Call Report read for First State Bank of Randolph County in a high-failure state

First State Bank of Randolph County (FDIC Cert #2157) carries a PlainBankData health grade of D at 40/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,236 of 4,307. Tier 1 capital prints at 15.96%, clearing the 10% well-capitalized line. The Texas Ratio is 72.38%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is -0.23%. Balance-sheet scale is $86M, 3,860th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is SouthPoint Bank (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First State Bank of Randolph County

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

First State Bank of Randolph County sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about First State Bank of Randolph County's current Call Report.

  • THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
  • CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
  • THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.

How First State Bank of Randolph County's 40/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10040/100
First State Bank of Randolph County's composite health score
Tier 1 Capital Ratio (15.96%) 40/40
Return on Assets (ROA) (-0.23%) 0/25
Texas Ratio (72.38%) 0/20
Efficiency Ratio (107.92%) 0/15

40 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$86M

Total balance-sheet footings

Total Deposits

$84M

Customer-funded liabilities

Net Loans

$28M

Outstanding loan book

Net Income

$-199K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.56% 15.96% 17.36%
Basel III capital ratios - First State Bank of Randolph County

Where First State Bank of Randolph County ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of Randolph County's score of 40/100 falls in the highlighted band.

First State Bank of Randolph County: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

40 2nd percentile higher than 2% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First State Bank of Randolph County 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First State Bank of Randolph County'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 Randolph County's $86M falls in the highlighted band.

Capital & credit buffers at First State Bank of Randolph County

Tier 1 capital ratio
Well-capitalized 10%

15.96% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.96%
Texas Ratio
72.38%
Equity Capital
$1M

What these ratios mean →

Profitability metrics: First State Bank of Randolph County

Return on Assets (ROA)
4th percentile nationally
-0.23%
Return on Equity (ROE)
-37.15%
Efficiency Ratio
107.92%

What these mean →

Income & expense: loss period at First State Bank of Randolph County

$4M
Interest Income
$237K
Non-Interest Income
$2M
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 Randolph County reports a Texas Ratio of 72.38% - elevated, troubled assets are consuming a meaningful share of capital and reserves.

Texas Ratio
Caution 50%

72.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at First State Bank of Randolph County

First State Bank of Randolph County's grade of D reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 72.38% sits above the 50% level analysts flag, meaning non-performing loans are consuming a meaningful share of loss-absorbing capital. The bank reported negative net income of $-199K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First State Bank of Randolph County up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View First State Bank of Randolph County on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($86M here), outside Georgia so the neighborhood is not state containment.

The First State Bank of Red Wing $86M · MN Bank of Stronghurst $86M · IL Zapata National Bank $86M · TX First National Bank of Wauchula $86M · FL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank of Randolph County (FDIC Cert #2157) - 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.

First State Bank of Randolph County Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Georgia

All Georgia banks →
BankAssetsGradeROA
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%