D
Talbot State Bank
Rating Date
March 2026
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 5.20
Capitalization Index 6.40
Liquidity Index 2.90
Profitability Index 0.00
Stability Index 1.50
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 4.27%
5-Year Asset Growth -1.96%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.78%
Non-Performing Loans to Capital 14.37%
Non-Performing Loans to Loans 1.32%
Balance Sheet Talbot State Bank
Woodland, GA
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Total Assets 52.96M
Total Deposits 46.28M
Capital and Reserves Talbot State Bank
Woodland, GA
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Capital 2.59M
Leverage Ratio 8.38
Loan Loss Reserves to Loans 0.63%
Risk-Based Capital Ratio 18.80
Liquidity Talbot State Bank
Woodland, GA
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Hot Money Ratio 50.45%
Liquidity Ratio 29.26%
Profitability Talbot State Bank
Woodland, GA
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5-Year Return on Average Assets -0.53%
Net Income -679.00K
Net Interest Spread 3.41%
Operating Profit to Average Assets -1.31%
Overhead Efficiency Ratio 138.62%
Return on Assets -1.31%
Return on Equity -26.86%