First State Bank of Randolph County

Headquarters

81 Court St
Cuthbert, GA 39840
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First State Bank of Randolph County is an FDIC insured institution located in Cuthbert, GA. It was founded in 1900 and has approximately $0.08 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 2157
Date Established 1900
Assets $ 80.90 million
Loans $ 29.68 million
Deposits $ 73.07 million
Capital $ 7.57 million
 

For a more detailed analysis of First State Bank of Randolph County's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First State Bank of Randolph County

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.569% 2.500% 0.88 $2,258 $988 Learn More
First Internet Bank
NMLS ID: 424182
2.565% 2.500% 0.88 $2,142 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to First State Bank of Randolph County
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

First State Bank of Randolph County branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First State Bank of Randolph County Locations


Financial Details

First State Bank of Randolph County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First State Bank of Randolph County. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First State Bank of Randolph County U.S. Bank Average
32.91% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First State Bank of Randolph County had $2,089,000 in non-current loans and $552,000 in owned real estate. To cover these potential losses it had $7,567,000 in equity and $458,000 in loans loss reserves. That gives it a Texas Ratio of 32.91%.

Return on Equity
First State Bank of Randolph County U.S. Bank Average
8.1% 7.80%

First State Bank of Randolph County has a Return on Equity of 8.1% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First State Bank of Randolph County U.S. Bank Average
9.35% 12.68%

First State Bank of Randolph County has a Capitalization of 9.35% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First State Bank of Randolph County Balance Sheet Analysis

As of March 31, 2020, First State Bank of Randolph County had assets of $80,903,000, loans of $29,684,000, and deposits of $73,067,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 9.46 million
Interest-bearing balances $ 1.28 million
Total securities $ 38.17 million
Federal funds sold and reverse repurchase $ 1.00 million
Net loans and leases $ 29.68 million
Loan loss allowance $ 0.46 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.55 million
Goodwill and other intangibles N.A.
All other assets $ 0.91 million
     Total Assets $ 73.34 million
LIABILITIES
Total deposits $ 73.07 million
      Interest-bearing deposits $ 49.59 million
      Deposits held in domestic offices $ 73.07 million
      % insured (estimated) 87.04%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.11 million
Subordinated debt N.A.
All other liabilities $ 0.16 million
      Total Liabilities $ 73.34 million
      Shareholders’ Equity $ 7.57 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.65 million
Total Interest Expense $ 0.14 million
Net interest income $ 0.51 million
Provision for loan and lease losses $ 0.01 million
Total non interest income $ 0.09 million
Total non interest expense $ 0.52 million
Pre-tax Net Operating Income $ 0.06 million

Bank Loan Profile?

The top three loan types in First State Bank of Randolph County’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Georgia, First State Bank of Randolph County has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 11.76
Multifamily
Mortgages
0.49
Credit Card Loans 0.00
Consumer Auto Loans 2.49
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 24.00
Commercial and Industrial Loans 23.80
Farm Loans 6.60

Frequently Asked Questions About First State Bank Of Randolph County

Branches and Savings

Is First State Bank Of Randolph County FDIC insured?

Yes. It is covered under FDIC Certificate #2157.

Why does First State Bank Of Randolph County pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First State Bank Of Randolph County CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First State Bank Of Randolph County a commercial bank?

Yes

Where are First State Bank Of Randolph County locations?

See branch locations nearby.

Is First State Bank Of Randolph County open on Saturdays?

Is First State Bank Of Randolph County open on Sundays?

What time does First State Bank Of Randolph County open?

What time does First State Bank Of Randolph County close?

Are First State Bank Of Randolph County ATMs Open 24/7?

Do First State Bank Of Randolph County ATMs accept cash deposits?

Can First State Bank Of Randolph County customers use other ATMs?

Do First State Bank Of Randolph County branches have notaries?

Will First State Bank Of Randolph County notarize my document?

What address for First State Bank Of Randolph County should I put for incoming ACH transfers?

Will the First State Bank Of Randolph County branch print checks?

Do First State Bank Of Randolph County checks expire?

Does First State Bank Of Randolph County require US citizenship to open account?

Can First State Bank Of Randolph County close my account?

Does First State Bank Of Randolph County Report to credit bureaus?

Does First State Bank Of Randolph County Use Equifax?

What is First State Bank Of Randolph County's ACH Routing Number?

What is First State Bank Of Randolph County's SWIFT code?

Products

Does First State Bank Of Randolph County offer mortgages?

Compare mortgage rates here.

Does First State Bank Of Randolph County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First State Bank Of Randolph County offer personal loans?

Compare personal loan rates here.

Does First State Bank Of Randolph County offer student loans?

Will First State Bank Of Randolph County cash a check?

Will First State Bank Of Randolph County redeem a savings bond?

Does First State Bank Of Randolph County cash savings bonds?

Will First State Bank Of Randolph County cash money orders?

Can First State Bank Of Randolph County issue a money order?

Does First State Bank Of Randolph County do currency exchange?

Background on The Bank

Who owns First State Bank Of Randolph County?

How long has First State Bank Of Randolph County been around?

Can First State Bank Of Randolph County transfer to other banks?

Does First State Bank Of Randolph County have quick pay?

Does First State Bank Of Randolph County accept rolled coins?

Will First State Bank Of Randolph County accept loose change?

Where is First State Bank Of Randolph County headquarters?

Customer Reviews for First State Bank of Randolph County

There are currently no comments for First State Bank of Randolph County. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →