Talbot State Bank
Woodland, Georgia · FDIC Cert #178
Talbot State Bank is an FDIC-insured bank (Certificate #178) with $58M in total assets and $50M in total deposits as of the Q2 2024 Call Report. Headquartered in Woodland, Georgia, the bank maintains a Tier 1 capital ratio of 21.91% (Well-Capitalized) and a nonperforming loan ratio of 3.44%. BankHealthData assigns a composite Health Grade of B (69/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Talbot State Bank (FDIC cert 178) is a community bank — $58M in total assets, $50M in deposits, serving the Woodland, 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 21.91% 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 3.44% 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: 41.2% 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 negative: ROA of -1.12% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Talbot State Bank carries a composite BankHealth grade of B (69/100) 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: Talbot State Bank
- Total Assets
- $58M
- Total Deposits
- $50M
- Tier 1 Capital Ratio
- 21.91%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.44%
- Liquidity Ratio
- 41.16%
- Return on Assets
- -1.12%
- Headquarters
- Woodland, Georgia
- FDIC Certificate
- #178
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Talbot State Bank holds a Tier 1 capital ratio of 21.91%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Talbot State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Talbot State Bank shows strong financial health indicators. With $58M in assets and a Health Score of 69/100, 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 Talbot State Bank Compares
Talbot State Bank’s Health Score of 69 is 7 points below the Georgia state average of 76 across 123 FDIC-insured banks. Its 21.91% Tier 1 capital ratio is 7.9 points above the US banking industry average near 14%. The 3.44% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -1.12% is below the national ROA benchmark of ~1.1%. Among 651 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Talbot State Bank is 1 points below the portfolio average of 70.
Frequently Asked Questions
Talbot State Bank has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 21.91%, 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. Talbot State Bank's Tier 1 capital ratio of 21.91% and nonperforming loan ratio of 3.44% 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 Talbot State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #178). 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.
Talbot State Bank holds $58M in total assets and $50M in total deposits. It is headquartered in Woodland, Georgia (FDIC Certificate #178).
Talbot State Bank has a Tier 1 capital ratio of 21.91%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.44%, and the return on assets is -1.12%.
Yes. Talbot State Bank is FDIC-insured (Certificate #178). 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%).
Talbot State Bank'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.