FDIC Cert #178 · Woodland, Georgia · Est. 1907

Talbot State Bank - 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.
$53M
Total assets
C
Health grade · Fair
-1.31%
Return on assets
18.0%
Tier 1 capital

Data updated July 2026

The verdict

Talbot State Bank earns a PlainBankData health grade of C (50/100), with well-capitalized at 17.98% Tier 1, -1.31% ROA, 139% efficiency ratio.

#4,114
largest of 4,313 FDIC banks by assets
5th
percentile by asset size, nationally
17.98%
Tier 1 ratio - above the 10% well-capitalized line
2nd
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 178 · GA C · 50/100

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

  • GRADE-C C (50/100)
  • BOTTOM-DECILE #4136/4307
  • PHOTO-FINISH Commercial Bank & Tr… · AR
  • TIER1-WELL 18.0% Tier 1
  • TEXAS-HEALTHY 23.1% Texas
  • ROA-LOSS -1.31% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: Commercial Bank & Trust Company, AR (±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 Talbot State Bank

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

Morgan Stanley Bank,… · UT ·…100/100Commercial Bank & Tr… · AR ·…50/100Industrial Bank · DC · near50/100Kendall Bank · KS · near50/100State Bank of Nauvoo · IL · …50/100Talbot State Bank · GA · thi…50/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Talbot State Bank · July 2026

Call Report read for Talbot State Bank in a high-failure state

Talbot State Bank (FDIC Cert #178) carries a PlainBankData health grade of C at 50/100, 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 #4,136 of 4,307. Tier 1 capital prints at 17.98%, clearing the 10% well-capitalized line. The Texas Ratio is 23.12%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.31%. Balance-sheet scale is $53M, 4,114th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Commercial Bank & Trust Company (AR), 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 Talbot State Bank

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

Talbot State Bank 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 Talbot State Bank'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 Talbot State Bank's 50/100 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 avg77/10050/100
Talbot State Bank's composite health score
Tier 1 Capital Ratio (17.98%) 40/40
Return on Assets (ROA) (-1.31%) 0/25
Texas Ratio (23.12%) 10/20
Efficiency Ratio (138.62%) 0/15

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

Balance sheet at a glance

Total Assets

$53M

Total balance-sheet footings

Total Deposits

$46M

Customer-funded liabilities

Net Loans

$31M

Outstanding loan book

Net Income

$-679K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.58% 17.98% 19.38%
Basel III capital ratios - Talbot State Bank

Where Talbot State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Talbot State Bank's score of 50/100 falls in the highlighted band.

Talbot State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

50 4th percentile higher than 4% 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%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 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. Talbot State Bank 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

Talbot State Bank'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). Talbot State Bank's $53M falls in the highlighted band.

Capital & credit buffers at Talbot State Bank

Tier 1 capital ratio
Well-capitalized 10%

17.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.98%
Texas Ratio
23.12%
Equity Capital
$3M

What these ratios mean →

Profitability metrics: Talbot State Bank

Return on Assets (ROA)
2nd percentile nationally
-1.31%
Return on Equity (ROE)
-26.74%
Efficiency Ratio
138.62%

What these mean →

Income & expense: loss period at Talbot State Bank

$3M
Interest Income
$35K
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. Talbot State Bank reports a Texas Ratio of 23.12% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

23.12% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Talbot State Bank

Talbot State Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-679K 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 Talbot State Bank 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 Talbot State Bank 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 ($53M here), outside Georgia so the neighborhood is not state containment.

Lakeside Bank of Salina $53M · OK The First National Bank of Wakefield $53M · MI The Exchange State Bank $53M · IA The Farmers State Bank of Blue Mound $53M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Talbot State Bank (FDIC Cert #178) - 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.

Talbot State Bank 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%