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First State Bank Of Randolph County
Cuthbert, GA · FDIC Certificate #2157 · Chartered 10/0
Total assets
$86.86M
Total deposits
$84.40M
Total equity
$1.21M
Net loans
$30.31M
Branches (offices)
2
Net income (YTD)
-$118.00K
Rank: #3,779 of 4,213 U.S. banks by assets · #113 of 123 in Georgia. Assets changed 1.0% and deposits -1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.27% |
| Return on equity | -17.68% |
| Net interest margin (YTD) | 2.61% |
| Equity to assets | 1.40% |
| Tier 1 leverage ratio | 8.30% |
| Uninsured deposits (share of deposits) | 15.9% |
| Noncurrent loans (share of loans) | 4.53% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 35.9% |
| Real estate loans (share of loans) | 51.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $15.51M | 51.2% | |
| Commercial & industrial | $5.78M | 19.1% | |
| Consumer / individual | $3.62M | 11.9% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $5.22M | 17.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $88.93M | $89.58M | $174.00K | -$748.00K |
| Jun 2023 | $88.08M | $89.00M | $243.00K | -$1.15M |
| Jun 2024 | $87.93M | $88.12M | $30.00K | -$599.00K |
| Jun 2025 | $85.98M | $85.45M | -$29.00K | $114.00K |
| Jun 2026 | $86.86M | $84.40M | -$118.00K | $1.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $84.40M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $84.40M.
Similar-sized banks
Angelina Savings Bank, SSB ($86.91M) · The Watkins Savings Bank ($86.72M)
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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