FIRST STB OF RANDOLPH COUNTY
CUTHBERT, GEORGIA · FDIC Cert #2157
Capital & Safety Analysis
According to FDIC financial data, FIRST STB OF RANDOLPH COUNTY holds a Tier 1 capital ratio of 15.07%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST STB OF RANDOLPH COUNTY has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST STB OF RANDOLPH COUNTY shows strong financial health indicators. With $88M in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST STB OF RANDOLPH COUNTY has a Bank Health Score of B (70/100). It holds a Tier 1 capital ratio of 15.07%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST STB OF RANDOLPH COUNTY holds $88M in total assets and $88M in total deposits. It is located in CUTHBERT, GEORGIA (FDIC Certificate #2157).
FIRST STB OF RANDOLPH COUNTY has a Tier 1 capital ratio of 15.07%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 3.70%, and the return on assets is 0.07%.
Yes. FIRST STB OF RANDOLPH COUNTY is FDIC-insured (Certificate #2157). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.