Total Assets
$86M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$84M
Customer-funded liabilities
Net Loans
$28M
Outstanding loan book
Net Income
$-199K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.23%
Return on Equity (ROE)
-37.15%
Efficiency Ratio
107.92%
What the numbers say about First State Bank of Randolph County
First State Bank of Randolph County is an FDIC-insured institution (Certificate #2157) headquartered in Cuthbert, Georgia, established in 1900. It holds $86M in total assets - 3,860th of 4,313 FDIC-insured banks, $84M in customer deposits, and $28M in net loans. Looking at capital strength, Tier 1 stands at 15.96%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 72.38%, above the 50% mark that flags elevated risk. It earns a PlainBankData health grade of D (40/100), 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.
By assets, First State Bank of Randolph County ranks 121st of 129 banks based in Georgia -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Georgia by total assets
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.
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 Randolph County's health grade?▼
First State Bank of Randolph County receives a health grade of D (40/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is First State Bank of Randolph County?▼
First State Bank of Randolph County holds $86M in total assets and $84M in deposits, ranking 3,860th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cuthbert, Georgia.
Is my money safe at First State Bank of Randolph County?▼
Yes, deposits at First State Bank of Randolph County (Certificate #2157) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First State Bank of Randolph County's Tier 1 Capital Ratio?▼
First State Bank of Randolph County has a Tier 1 Capital Ratio of 15.96%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First State Bank of Randolph County?▼
First State Bank of Randolph County has a Texas Ratio of 72.38%. Crossing 50% is the point where analysts flag elevated credit risk. 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 Randolph County?▼
First State Bank of Randolph County has an Efficiency Ratio of 107.92%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First State Bank of Randolph County's profile as a depositor or analyst.
- First State Bank of Randolph County's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First State Bank of Randolph County 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.