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West Central Georgia Bank
Thomaston, GA · FDIC Certificate #21526 · Chartered 04/1
Total assets
$160.38M
Total deposits
$123.74M
Total equity
$34.05M
Net loans
$77.67M
Branches (offices)
2
Net income (YTD)
$1.32M
Rank: #3,225 of 4,213 U.S. banks by assets · #98 of 123 in Georgia. Assets changed 1.9% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 7.78% |
| Net interest margin (YTD) | 4.29% |
| Equity to assets | 21.23% |
| Tier 1 leverage ratio | 22.22% |
| Uninsured deposits (share of deposits) | 13.1% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 62.8% |
| Real estate loans (share of loans) | 90.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $70.18M | 90.4% | |
| Commercial & industrial | $4.75M | 6.1% | |
| Consumer / individual | $4.43M | 5.7% | |
| Construction & development | $4.50M | 5.8% | |
| Agricultural | $101.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $147.77M | $114.19M | $865.00K | $31.62M |
| Jun 2023 | $145.96M | $110.71M | $1.42M | $33.20M |
| Jun 2024 | $150.75M | $112.80M | $1.17M | $35.64M |
| Jun 2025 | $157.36M | $121.99M | $1.03M | $32.58M |
| Jun 2026 | $160.38M | $123.74M | $1.32M | $34.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $123.74M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $123.74M.
Similar-sized banks
Edward Jones Trust Company ($160.51M) · Central Bank ($160.23M)
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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