WEST CENTRAL GEORGIA BANK
THOMASTON, GEORGIA · FDIC Cert #21526
Capital & Safety Analysis
According to FDIC financial data, WEST CENTRAL GEORGIA BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject WEST CENTRAL GEORGIA BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
WEST CENTRAL GEORGIA BANK shows strong financial health indicators. With $151M in assets and a Health Score of 65/100, 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
WEST CENTRAL GEORGIA BANK has a Bank Health Score of B (65/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
WEST CENTRAL GEORGIA BANK holds $151M in total assets and $113M in total deposits. It is located in THOMASTON, GEORGIA (FDIC Certificate #21526).
WEST CENTRAL GEORGIA BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.02%, and the return on assets is 1.92%.
Yes. WEST CENTRAL GEORGIA BANK is FDIC-insured (Certificate #21526). 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.