B
Wheeler County State Bank
AlamoGA
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Wheeler County State Bank
Alamo, GA
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Rating B
Asset Quality Index 8.70
Capitalization Index 10.00
Liquidity Index 3.20
Profitability Index 8.60
Stability Index 6.30
Company Info Wheeler County State Bank
Alamo, GA
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FDIC Number 16228
Phone Number (912) 568-7191
Website www.atlanticsouthbank.com
Asset Quality Wheeler County State Bank
Alamo, GA
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1-Year Asset Growth -6.09%
5-Year Asset Growth 18.64%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 0.06%
Non-Performing Loans to Capital 0.40%
Non-Performing Loans to Loans 0.10%
Balance Sheet Wheeler County State Bank
Alamo, GA
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Total Assets 163.45M
Total Deposits 137.10M
Capital and Reserves Wheeler County State Bank
Alamo, GA
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Capital 25.30M
Leverage Ratio 15.10
Loan Loss Reserves to Loans 1.42%
Risk-Based Capital Ratio --
Liquidity Wheeler County State Bank
Alamo, GA
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Hot Money Ratio 19.67%
Liquidity Ratio 43.10%
Profitability Wheeler County State Bank
Alamo, GA
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5-Year Return on Average Assets 1.60%
Net Income 2.70M
Net Interest Spread 4.94%
Operating Profit to Average Assets 2.07%
Overhead Efficiency Ratio 57.65%
Return on Assets 2.06%
Return on Equity 14.63%