First State Bank of Randolph County is a state-chartered bank headquartered in Cuthbert, Georgia, in business for about 126 years. At the end of Q2 2026 it reported $86.9M in total assets and $84.4M in deposits, with 2 offices.
First State Bank of Randolph County has a TellerScore of 27 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 124th. Funding & liquidity contributes the most (99/100, 36% loans-to-deposits, 16% uninsured); problem-loan coverage contributes the least (0/100, 90.5%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (29 → 27), mostly because the earnings component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 41 |
| Q3 2024 | 29 |
| Q4 2024 | 38 |
| Q1 2025 | 29 |
| Q2 2025 | 29 |
| Q3 2025 | 28 |
| Q4 2025 | 28 |
| Q1 2026 | 26 |
| Q2 2026 | 27 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.11% |
| Q3 2024 | 8.55% |
| Q4 2024 | 8.31% |
| Q1 2025 | 8.23% |
| Q2 2025 | 8.49% |
| Q3 2025 | 8.60% |
| Q4 2025 | 8.58% |
| Q1 2026 | 8.20% |
| Q2 2026 | 8.30% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.70% |
| Q3 2024 | 3.76% |
| Q4 2024 | 3.89% |
| Q1 2025 | 3.73% |
| Q2 2025 | 4.20% |
| Q3 2025 | 4.09% |
| Q4 2025 | 4.52% |
| Q1 2026 | 4.68% |
| Q2 2026 | 4.53% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.11% |
| Q2 2025 | -0.07% |
| Q3 2025 | -0.23% |
| Q4 2025 | -0.23% |
| Q1 2026 | -0.31% |
| Q2 2026 | -0.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 27 | $86.9M | 8.30% | 4.53% | -0.27% | 35.9% |
| Q1 2026 | 26 | $88.1M | 8.20% | 4.68% | -0.31% | 32.5% |
| Q4 2025 | 28 | $85.7M | 8.58% | 4.52% | -0.23% | 33.6% |
| Q3 2025 | 28 | $84.0M | 8.60% | 4.09% | -0.23% | 36.2% |
| Q2 2025 | 29 | $86.0M | 8.49% | 4.20% | -0.07% | 34.2% |
| Q1 2025 | 29 | $88.1M | 8.23% | 3.73% | 0.11% | 35.9% |
| Q4 2024 | 38 | $89.0M | 8.31% | 3.89% | 0.00% | 34.0% |
| Q3 2024 | 29 | $87.1M | 8.55% | 3.76% | 0.05% | 37.5% |
| Q2 2024 | 41 | $87.9M | 9.11% | 3.70% | 0.07% | 36.9% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Four County BankBank Allentown, GA | 87 out of 100, Very strong | $87.1M | 13.8% | 0.68% | vs |
| F & M Bank and Trust CompanyBank Manchester, GA | 69 out of 100, Moderate | $87.4M | 10.2% | 0.52% | vs |
| First Bank of PikeBank Zebulon, GA | 70 out of 100, Strong | $87.5M | 9.9% | 0.79% | vs |
| Rochelle State BankBank Rochelle, GA | 29 out of 100, Low | $85.6M | 8.0% | 3.40% | vs |
| Bank of Hancock CountyBank Sparta, GA | 81 out of 100, Strong | $85.2M | 20.2% | 0.82% | vs |
| The Bank of EdisonBank Edison, GA | 60 out of 100, Moderate | $83.9M | 9.1% | 1.79% | vs |
Deposit insurance
Is my money safe at First State Bank of Randolph County?
Yes. First State Bank of Randolph County is an FDIC-insured institution (FDIC certificate #2157). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.9% of deposits ($13.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.30%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.77% (benchmark: 10%).
2 locations
Branches
First State Bank of Randolph County lists 2 offices in 2 cities. Most locations:
- Cuthbert, GA (1)
- Shellman, GA (1)
Identity & history
Profile
- Legal name
- First State Bank of Randolph County
- Former names
- First State Bank; First National Bank of Shellman
- Type
- State-chartered bank
- FDIC certificate #
- 2157
- RSSD ID
- 140634
- Primary regulator
- FDIC
- Established
- October 3, 1900
- Headquarters
- 81 Court St, Cuthbert, GA 39840
- Employees
- 18
Quick answers
First State Bank of Randolph County: common questions
Is First State Bank of Randolph County FDIC insured?
Yes. First State Bank of Randolph County is an FDIC-insured institution (FDIC certificate #2157). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of Randolph County's TellerScore?
27 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First State Bank of Randolph County ever failed?
There is no failure record for FDIC certificate #2157 in the FDIC failed bank list.
How many branches does First State Bank of Randolph County have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cuthbert
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of DawsonBank Dawson, GA | 94 out of 100, Very strong | $159.9M | 18.2% | 0.22% | vs |
| Georgia Community BankBank Albany, GA | 78 out of 100, Strong | $375.0M | 13.7% | 1.25% | vs |
| Citizens Bank of AmericusBank Americus, GA | 77 out of 100, Strong | $511.1M | 10.3% | 0.09% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |
| PeoplesSouth BankBank Colquitt, GA | 69 out of 100, Moderate | $1.2B | 10.4% | 1.02% | vs |
| Ameris BankBank Atlanta, GA | 67 out of 100, Moderate | $28.4B | 11.4% | 0.57% | vs |