D
Talbot State Bank
Rating Date
October 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 5.10
Capitalization Index 6.80
Liquidity Index 2.80
Profitability Index 0.00
Stability Index 1.90
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 -8.86%
5-Year Asset Growth -2.05%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 1.05%
Non-Performing Loans to Capital 15.27%
Non-Performing Loans to Loans 1.75%
Balance Sheet Talbot State Bank
Woodland, GA
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Total Assets 52.48M
Total Deposits 46.04M
Capital and Reserves Talbot State Bank
Woodland, GA
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Capital 2.33M
Leverage Ratio 8.82
Loan Loss Reserves to Loans 0.63%
Risk-Based Capital Ratio 19.98
Liquidity Talbot State Bank
Woodland, GA
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Hot Money Ratio 49.10%
Liquidity Ratio 26.68%
Profitability Talbot State Bank
Woodland, GA
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5-Year Return on Average Assets -0.53%
Net Income -381.00K
Net Interest Spread 3.23%
Operating Profit to Average Assets -1.46%
Overhead Efficiency Ratio 145.25%
Return on Assets -1.46%
Return on Equity -30.08%