WHEELER COUNTY STATE BANK
ALAMO, GEORGIA · FDIC Cert #16228
Capital & Safety Analysis
According to FDIC financial data, WHEELER COUNTY STATE BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject WHEELER COUNTY STATE BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
WHEELER COUNTY STATE BANK shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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
WHEELER COUNTY STATE BANK has a Bank Health Score of C (64/100). 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.
WHEELER COUNTY STATE BANK holds $183M in total assets and $159M in total deposits. It is located in ALAMO, GEORGIA (FDIC Certificate #16228).
WHEELER COUNTY STATE BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.19%, and the return on assets is 2.80%.
Yes. WHEELER COUNTY STATE BANK is FDIC-insured (Certificate #16228). 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.