Wilkinson County Bank


103 Bank St
Irwinton, GA 31042
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 1.15% →
1-Year CD 0.65% 1.50% →
2-Year CD 0.75% 2.86% →
5-Year CD N.A. 3.21% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Wilkinson County Bank is an FDIC insured institution located in Irwinton, GA. It was founded in 1907 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 10074
Date Established 1907
Assets $ 60.51 million
Loans $ 20.14 million
Deposits $ 53.00 million
Capital $ 7.40 million

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

Deposit Rates - May 27, 2022

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
0.20% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.65% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
30 Mo CD
0.80% $10,000 $14,999 Learn More
30 Mo CD
0.80% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 27, 2022

Your Current Location: Washington, WA 98101

There are currently no loan rates available for Wilkinson County Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 399798
5.196% 5.125%
0.75 points
$2,008 fees
$1,362 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 2.750 %
After Intro: 5.590 %
Intro Period: 6 months
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 3.490 %
After Intro: 4.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Wilkinson County Bank
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Climate Initiatives

Wilkinson County Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Wilkinson County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Wilkinson County 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
Wilkinson County Bank U.S. Bank Average
3.9% 3.95%

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, 2021, Wilkinson County Bank had $73,000 in non-current loans and $230,000 in owned real estate. To cover these potential losses it had $7,400,000 in equity and $374,000 in loans loss reserves. That gives it a Texas Ratio of 3.9%.

Return on Equity
Wilkinson County Bank U.S. Bank Average
0.98% 10.50%

Wilkinson County Bank has a Return on Equity of 0.98% versus the BestCashCow average of 10.50%. 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.

Wilkinson County Bank U.S. Bank Average
12.23% 11.55%

Wilkinson County Bank has a Capitalization of 12.23% versus the BestCashCow average of 11.55. 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.

Wilkinson County Bank Balance Sheet Analysis

As of December 31, 2021, Wilkinson County Bank had assets of $60,514,000, loans of $20,137,000, and deposits of $53,001,000. 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, 2021
Cash & Balances due from depository institutions $ 12.27 million
Interest-bearing balances N.A.
Total securities $ 18.35 million
Federal funds sold and reverse repurchase $ 9.17 million
Net loans and leases $ 20.14 million
Loan loss allowance $ 0.37 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.23 million
Goodwill and other intangibles N.A.
All other assets $ 0.26 million
     Total Assets $ 53.11 million
Total deposits $ 53.00 million
      Interest-bearing deposits $ 36.74 million
      Deposits held in domestic offices $ 53.00 million
      % insured (estimated) 70.79%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.11 million
      Total Liabilities $ 53.11 million
      Shareholders’ Equity $ 7.40 million

Summary Income Statement

December 31, 2021
Total Interest Income $ 1.62 million
Total Interest Expense $ 0.12 million
Net interest income $ 1.50 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.20 million
Total non interest expense $ 1.64 million
Pre-tax Net Operating Income $ 0.06 million

Bank Loan Profile?

The top three loan types in Wilkinson County Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in Georgia, Wilkinson County 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 67.73
Credit Card Loans 0.00
Consumer Auto Loans 3.57
Small Business Loans 7.43
Construction and Development Loans 4.27
Commercial Real Estate 7.43
Commercial and Industrial Loans 12.30
Farm Loans 0.00

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