First Stb of Randolph County
Cuthbert, Georgia · FDIC Cert #2157
First Stb of Randolph County is an FDIC-insured bank (Certificate #2157) with $88M in total assets and $88M in total deposits as of the Q2 2024 Call Report. Headquartered in Cuthbert, Georgia, the bank maintains a Tier 1 capital ratio of 15.07% (Well-Capitalized) and a nonperforming loan ratio of 3.70%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Stb of Randolph County (FDIC cert 2157) is a community bank — $88M in total assets, $88M in deposits, serving the Cuthbert, Georgia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.07% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.70% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 54.5% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is minimal: ROA of 0.07% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. First Stb of Randolph County carries a composite BankHealth grade of B (70/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Stb of Randolph County
- Total Assets
- $88M
- Total Deposits
- $88M
- Tier 1 Capital Ratio
- 15.07%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.70%
- Liquidity Ratio
- 54.48%
- Return on Assets
- 0.07%
- Headquarters
- Cuthbert, Georgia
- FDIC Certificate
- #2157
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
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.
How First Stb of Randolph County Compares
First Stb of Randolph County’s Health Score of 70 is 6 points below the Georgia state average of 76 across 123 FDIC-insured banks. Its 15.07% Tier 1 capital ratio is 1.1 points above the US banking industry average near 14%. The 3.70% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.07% is below the national ROA benchmark of ~1.1%. Among 994 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort.
Frequently Asked Questions
First Stb of Randolph County has a Bank Health Score of B (70/100), placing it in solid financial health. 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Stb of Randolph County's Tier 1 capital ratio of 15.07% and nonperforming loan ratio of 3.70% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Stb of Randolph County is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #2157). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Stb of Randolph County holds $88M in total assets and $88M in total deposits. It is headquartered 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." Federal regulators consider 8% the threshold for "well-capitalized." The bank's 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 — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Stb of Randolph County's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.