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Talbot State Bank
Woodland, GA · FDIC Certificate #178 · Chartered 11/2
Total assets
$51.66M
Total deposits
$45.25M
Total equity
$2.31M
Net loans
$32.78M
Branches (offices)
2
Net income (YTD)
-$222.00K
Rank: #4,030 of 4,213 U.S. banks by assets · #120 of 123 in Georgia. Assets changed -1.6% and deposits -1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.85% |
| Return on equity | -18.47% |
| Net interest margin (YTD) | 3.69% |
| Equity to assets | 4.47% |
| Tier 1 leverage ratio | 7.78% |
| Uninsured deposits (share of deposits) | 19.4% |
| Noncurrent loans (share of loans) | 2.35% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 72.5% |
| Real estate loans (share of loans) | 95.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $31.37M | 95.7% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $203.00K | 0.6% | |
| Construction & development | $1.94M | 5.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $58.03M | $53.78M | -$203.00K | $4.20M |
| Jun 2023 | $57.01M | $50.49M | -$181.00K | $3.43M |
| Jun 2024 | $57.58M | $50.43M | -$324.00K | $3.04M |
| Jun 2025 | $52.48M | $46.04M | -$381.00K | $2.33M |
| Jun 2026 | $51.66M | $45.25M | -$222.00K | $2.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $45.25M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $45.25M.
Similar-sized banks
The Mer Rouge State Bank ($51.81M) · Rolette State Bank ($51.50M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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