D
Talbot State Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Talbot State Bank
Woodland, GA
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Rating D
Asset Quality Index 3.70
Capitalization Index 7.20
Liquidity Index 2.80
Profitability Index 0.00
Stability Index 1.40
Company Info Talbot State Bank
Woodland, GA
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FDIC Number 178
Phone Number (706) 674-2215
Website www.talbotstatebank.com
Asset Quality Talbot State Bank
Woodland, GA
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1-Year Asset Growth -9.27%
5-Year Asset Growth -2.05%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.11%
Non-Performing Loans to Capital 20.15%
Non-Performing Loans to Loans 1.84%
Balance Sheet Talbot State Bank
Woodland, GA
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Total Assets 52.30M
Total Deposits 45.60M
Capital and Reserves Talbot State Bank
Woodland, GA
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Capital 2.61M
Leverage Ratio 9.10
Loan Loss Reserves to Loans 0.63%
Risk-Based Capital Ratio 20.71
Liquidity Talbot State Bank
Woodland, GA
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Hot Money Ratio 48.72%
Liquidity Ratio 26.44%
Profitability Talbot State Bank
Woodland, GA
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5-Year Return on Average Assets -0.53%
Net Income -180.00K
Net Interest Spread 3.25%
Operating Profit to Average Assets -1.37%
Overhead Efficiency Ratio 142.35%
Return on Assets -1.37%
Return on Equity -27.72%