Total Assets
$53M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$46M
Customer-funded liabilities
Net Loans
$31M
Outstanding loan book
Net Income
$-679K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-1.31%
Return on Equity (ROE)
-26.74%
Efficiency Ratio
138.62%
What the numbers say about Talbot State Bank
Talbot State Bank is an FDIC-insured institution (Certificate #178) headquartered in Woodland, Georgia, established in 1907. It holds $53M in total assets - 4,114th of 4,313 FDIC-insured banks, $46M in customer deposits, and $31M in net loans. Capital-wise, the Tier 1 ratio sits at 17.98%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 23.12%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (50 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Talbot State Bank is a community-scale institution -- 127th of 129 FDIC-insured banks headquartered in Georgia by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in Georgia by total assets
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.
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 Talbot State Bank's health grade?▼
Talbot State Bank receives a health grade of C (50/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Talbot State Bank?▼
Talbot State Bank holds $53M in total assets and $46M in deposits, ranking 4,114th of 4,313 FDIC-insured banks by asset size. It is headquartered in Woodland, Georgia.
Is my money safe at Talbot State Bank?▼
Yes, deposits at Talbot State Bank (Certificate #178) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Talbot State Bank's Tier 1 Capital Ratio?▼
Talbot State Bank has a Tier 1 Capital Ratio of 17.98%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Talbot State Bank?▼
Talbot State Bank has a Texas Ratio of 23.12%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Talbot State Bank?▼
Talbot State Bank has an Efficiency Ratio of 138.62%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Talbot State Bank's profile as a depositor or analyst.
- Talbot State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Talbot State Bank 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.