Headquartered in Woodland, Georgia, Talbot State Bank is a state-chartered bank with $51.7M in total assets and $45.2M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1907.
Based on its Q2 2026 filing, Talbot State Bank scores 30/100, which we describe as low. That is higher than only 1% of 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 122nd. Its strongest component is funding & liquidity (83/100; 72% loans-to-deposits, 19% uninsured), and its lowest is earnings (0/100; -0.85%).
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 5 points (35 → 30), mostly because the capital cushion component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 29 |
| Q3 2024 | 35 |
| Q4 2024 | 38 |
| Q1 2025 | 28 |
| Q2 2025 | 35 |
| Q3 2025 | 34 |
| Q4 2025 | 37 |
| Q1 2026 | 34 |
| Q2 2026 | 30 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.33% |
| Q3 2024 | 9.36% |
| Q4 2024 | 9.80% |
| Q1 2025 | 9.10% |
| Q2 2025 | 8.82% |
| Q3 2025 | 8.59% |
| Q4 2025 | 8.38% |
| Q1 2026 | 7.93% |
| Q2 2026 | 7.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.44% |
| Q3 2024 | 2.63% |
| Q4 2024 | 2.23% |
| Q1 2025 | 3.18% |
| Q2 2025 | 2.32% |
| Q3 2025 | 2.33% |
| Q4 2025 | 2.06% |
| Q1 2026 | 2.15% |
| Q2 2026 | 2.35% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.12% |
| Q3 2024 | -1.20% |
| Q4 2024 | -1.24% |
| Q1 2025 | -1.40% |
| Q2 2025 | -1.47% |
| Q3 2025 | -1.36% |
| Q4 2025 | -1.31% |
| Q1 2026 | -1.13% |
| Q2 2026 | -0.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 30 | $51.7M | 7.78% | 2.35% | -0.85% | 72.5% |
| Q1 2026 | 34 | $51.4M | 7.93% | 2.15% | -1.13% | 68.1% |
| Q4 2025 | 37 | $53.0M | 8.38% | 2.06% | -1.31% | 67.2% |
| Q3 2025 | 34 | $51.4M | 8.59% | 2.33% | -1.36% | 70.6% |
| Q2 2025 | 35 | $52.5M | 8.82% | 2.32% | -1.47% | 67.9% |
| Q1 2025 | 28 | $52.3M | 9.10% | 3.18% | -1.40% | 68.8% |
| Q4 2024 | 38 | $50.8M | 9.80% | 2.23% | -1.24% | 71.4% |
| Q3 2024 | 35 | $54.0M | 9.36% | 2.63% | -1.20% | 68.0% |
| Q2 2024 | 29 | $57.6M | 9.33% | 3.44% | -1.12% | 64.2% |
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 Trust BankBank Lenox, GA | 86 out of 100, Very strong | $47.0M | 16.2% | 1.36% | vs |
| The Security State BankBank Mcrae, GA | 91 out of 100, Very strong | $70.5M | 14.1% | 0.59% | vs |
| Apex Banking Company of GeorgiaBank Cleveland, GA | 70 out of 100, Strong | $72.6M | 9.7% | 0.03% | vs |
| Southeast First National BankBank Summerville, GA | 74 out of 100, Strong | $74.9M | 11.7% | 0.06% | vs |
| First City BankBank Alpharetta, GA | 73 out of 100, Strong | $23.0M | 194.3% | 0.00% | 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 Talbot State Bank?
Yes. Talbot State Bank is an FDIC-insured institution (FDIC certificate #178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.4% of deposits ($8.8M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.78%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.61% (benchmark: 10%).
2 locations
Branches
Talbot State Bank lists 2 offices in 2 cities. Most locations:
- Fayetteville, GA (1)
- Woodland, GA (1)
HMDA 2025
Mortgage lending
In 2025, Talbot State Bank reported 99 home-loan applications under HMDA (LEI 549300V2JTNKMMF06966): 61 originated ($5,715,000 total), 8 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Talbot State Bank
- Former names
- The Woodland Bank
- Type
- State-chartered bank
- FDIC certificate #
- 178
- RSSD ID
- 577230
- Primary regulator
- FDIC
- Holding company
- Tsb Bcorp Inc
- Established
- November 25, 1907
- Headquarters
- 76 E Main St, Woodland, GA 31836
- Website
- www.talbotstatebank.com
- Employees
- 18
Quick answers
Talbot State Bank: common questions
Is Talbot State Bank FDIC insured?
Yes. Talbot State Bank is an FDIC-insured institution (FDIC certificate #178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Talbot State Bank's TellerScore?
30 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 Talbot State Bank ever failed?
There is no failure record for FDIC certificate #178 in the FDIC failed bank list.
How many branches does Talbot State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Woodland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West Central Georgia BankBank Thomaston, GA | 97 out of 100, Very strong | $160.4M | 22.2% | 0.04% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| First Peoples BankBank Pine Mountain, GA | 77 out of 100, Strong | $449.4M | 12.8% | 0.12% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| The Peoples Bank of GeorgiaBank Talbotton, GA | 71 out of 100, Strong | $252.3M | 9.6% | 0.32% | vs |
| First Bank of PikeBank Zebulon, GA | 70 out of 100, Strong | $87.5M | 9.9% | 0.79% | vs |