Talbot State Bank


76 E. Main Street
Woodland, GA 31836
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.40% 1.40% →
1-Year CD 0.65% 1.15% →
2-Year CD 0.85% 1.26% →
5-Year CD 1.26% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 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 $ 56.59 million
Loans $ 28.15 million
Deposits $ 49.17 million
Capital $ 7.35 million

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 - July 7, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.40% $1,000 $4,999 Learn More
Money Market
0.40% $1 $24,999 Learn More
Money Market
0.50% $25,000 $49,999 Learn More
3 Mo CD
0.30% $500 - Learn More
6 Mo CD
0.45% $500 - Learn More
12 Mo CD
0.65% $500 - Learn More
18 Mo CD
0.75% $500 - Learn More
24 Mo CD
0.85% $500 - Learn More
36 Mo CD
0.95% $500 - Learn More
48 Mo CD
1.00% $500 - Learn More
60 Mo CD
1.26% $500 - Learn More

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 - July 7, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to Talbot State Bank
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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
12.06% 6.51%

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 December 31, 2019, Talbot State Bank had $931,000 in non-current loans and $4,000 in owned real estate. To cover these potential losses it had $7,347,000 in equity and $404,000 in loans loss reserves. That gives it a Texas Ratio of 12.06%.

Return on Equity
Talbot State Bank U.S. Bank Average
12.35% 9.41%

Talbot State Bank has a Return on Equity of 12.35% versus the BestCashCow average of 9.41%. 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.

Talbot State Bank U.S. Bank Average
12.98% 12.82%

Talbot State Bank has a Capitalization of 12.98% versus the BestCashCow average of 12.82. 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 December 31, 2019, Talbot State Bank had assets of $56,585,000, loans of $28,152,000, and deposits of $49,174,000. 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

December 31, 2019
Cash & Balances due from depository institutions $ 12.13 million
Interest-bearing balances $ 10.81 million
Total securities $ 14.80 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 28.15 million
Loan loss allowance $ 0.40 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.00 million
Goodwill and other intangibles N.A.
All other assets $ 0.82 million
     Total Assets $ 49.24 million
Total deposits $ 49.17 million
      Interest-bearing deposits $ 46.45 million
      Deposits held in domestic offices $ 49.17 million
      % insured (estimated) 81.30%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.06 million
      Total Liabilities $ 49.24 million
      Shareholders’ Equity $ 7.35 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 3.35 million
Total Interest Expense $ 1.25 million
Net interest income $ 2.10 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.17 million
Total non interest expense $ 2.42 million
Pre-tax Net Operating Income N.A.

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 Commercial Real Estate.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 93.95
Credit Card Loans 0.00
Consumer Auto Loans 0.09
Small Business Loans 1.64
Construction and Development Loans 2.09
Commercial Real Estate 1.64
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?


Where are Talbot State Bank locations?

See branch locations nearby.

Is Talbot State Bank open on Saturdays?

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Are Talbot State Bank ATMs Open 24/7?

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Does Talbot State Bank require US citizenship to open account?

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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?

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Background on The Bank

Who owns Talbot State Bank?

How long has Talbot State Bank been around?

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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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