Talbot State Bank

76 E. Main Street
Woodland, GA 31836

Notable Rates APY Vs.Others
Savings 0.40% 2.60% →
1-Year CD 0.65% 2.25% →
2-Year CD 0.85% 2.50% →
5-Year CD 1.26% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Talbot State Bank is an FDIC insured institution located in Woodland, GA. It was founded in 1907 and has approximately $0.06 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 178
Date Established 1907
Assets $0.06 billion
Loans $0.03 billion
Deposits $0.05 billion
Capital $0.01 billion
 

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

Deposit Rates - November 18, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.40% $1,000 - Learn MoreShow Less
Premium Money Market Account
0.40% $1 $24,999 Learn MoreShow Less
Premium Money Market Account
0.50% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.30% $500 - Learn MoreShow Less
6 Mo CD
0.45% $500 - Learn MoreShow Less
12 Mo CD
0.65% $500 - Learn MoreShow Less
18 Mo CD
0.75% $500 - Learn MoreShow Less
24 Mo CD
0.85% $500 - Learn MoreShow Less
36 Mo CD
0.95% $500 - Learn MoreShow Less
48 Mo CD
1.00% $500 - Learn MoreShow Less
60 Mo CD
1.26% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.65% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1 $24,999 Learn MoreShow Less

Loan Rates - November 18, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Talbot State Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.527% 3.500% 0.38 $855 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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

Branches

Talbot State Bank 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:
Ashburn,Virginia


Talbot State Bank Locations


Financial Details

Talbot State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Talbot State Bank. 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
Talbot State Bank U.S. Bank Average
14.55% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2019, Talbot State Bank had $777,000 in non-current loans and $299,000 in owned real estate. To cover these potential losses it had $6,983,000 in equity and $414,000 in loans loss reserves. That gives it a Texas Ratio of 14.55%.

Return on Equity
Talbot State Bank U.S. Bank Average
-2.14% 9.50%

Talbot State Bank has a Return on Equity of -2.14% versus the BestCashCow average of 9.50%. 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
Talbot State Bank U.S. Bank Average
11.63% 12.76%

Talbot State Bank has a Capitalization of 11.63% versus the BestCashCow average of 12.76. 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.

Talbot State Bank Balance Sheet Analysis

As of June 30, 2019, Talbot State Bank had assets of $60,021,000, loans of $26,443,000, and deposits of $52,927,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.05 billion
LIABILITIES
Total deposits $0.05 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 82.28%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.05 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $-0.00 billion

Bank Loan Profile?

The top three loan types in Talbot State Bank’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Small Business Loans.

Compared to other banks in Georgia, Talbot State Bank has a significantly higher percent of 1-4 Family Residential 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 93.62
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.11
Small Business Loans 1.75
Construction and Development Loans 2.09
Commercial Real Estate 1.75
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Talbot State Bank

Branches and Savings

Is Talbot State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #178.

Why does Talbot State Bank pay such low interest on savings accounts?

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

Why are Talbot State Bank CD rates not competitive?

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

Is Talbot State Bank a commercial bank?

Yes

Where are Talbot State Bank locations?

See branch locations nearby.

Is Talbot State Bank open on Saturdays?

Is Talbot State Bank open on Sundays?

What time does Talbot State Bank open?

What time does Talbot State Bank close?

Are Talbot State Bank ATMs Open 24/7?

Do Talbot State Bank ATMs accept cash deposits?

Can Talbot State Bank customers use other ATMs?

Do Talbot State Bank branches have notaries?

Will Talbot State Bank notarize my document?

What address for Talbot State Bank should I put for incoming ACH transfers?

Will the Talbot State Bank branch print checks?

Do Talbot State Bank checks expire?

Does Talbot State Bank require US citizenship to open account?

Can Talbot State Bank close my account?

Does Talbot State Bank Report to credit bureaus?

Does Talbot State Bank Use Equifax?

What is Talbot State Bank's ACH Routing Number?

What is Talbot State Bank's SWIFT code?

Products

Does Talbot State Bank offer mortgages?

Compare mortgage rates here.

Does Talbot State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Talbot State Bank offer personal loans?

Compare personal loan rates here.

Does Talbot State Bank offer student loans?

Will Talbot State Bank cash a check?

Will Talbot State Bank redeem a savings bond?

Does Talbot State Bank cash savings bonds?

Will Talbot State Bank cash money orders?

Can Talbot State Bank issue a money order?

Does Talbot State Bank do currency exchange?

Background on The Bank

Who owns Talbot State Bank?

How long has Talbot State Bank been around?

Can Talbot State Bank transfer to other banks?

Does Talbot State Bank have quick pay?

Does Talbot State Bank accept rolled coins?

Will Talbot State Bank accept loose change?

Where is Talbot State Bank headquarters?

Customer Reviews for Talbot State Bank


  • August 11, 2019

    We have trouble with them crediting payments made on time, by the time point Aand B get your payment and record it, you are always seen as a late payment. This just drives me crazy, also, they don't do allotments, which would definitely help that situation. Their customer service doesn't help us as customers to appreciate their services enough to bank with them for very long. For example, they requested a tax statement and 1099 for their records, they were sent weeks ago and we get a request again for them, this happens constantly. So, frustrating.

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