West Central Georgia Bank (FDIC certificate #21526) is based in Thomaston, Georgia. Its Q2 2026 call report shows $160.4M in total assets and $123.7M in deposits and 2 offices.
Based on its Q2 2026 filing, West Central Georgia Bank scores 97/100, which we describe as very strong. That is higher than 100% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 2nd. Its strongest component is capital cushion (100/100; 22.22%), and its lowest is earnings (86/100; 1.65%).
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 rose 3 points (94 → 97), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 96 |
| Q3 2024 | 96 |
| Q4 2024 | 94 |
| Q1 2025 | 93 |
| Q2 2025 | 94 |
| Q3 2025 | 95 |
| Q4 2025 | 96 |
| Q1 2026 | 97 |
| Q2 2026 | 97 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 26.62% |
| Q3 2024 | 24.50% |
| Q4 2024 | 23.98% |
| Q1 2025 | 23.66% |
| Q2 2025 | 23.08% |
| Q3 2025 | 22.87% |
| Q4 2025 | 22.83% |
| Q1 2026 | 22.33% |
| Q2 2026 | 22.22% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.57% |
| Q3 2024 | 1.54% |
| Q4 2024 | 1.40% |
| Q1 2025 | 1.18% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.47% |
| Q4 2025 | 1.55% |
| Q1 2026 | 1.59% |
| Q2 2026 | 1.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 97 | $160.4M | 22.22% | 0.04% | 1.65% | 62.8% |
| Q1 2026 | 97 | $162.7M | 22.33% | 0.00% | 1.59% | 60.2% |
| Q4 2025 | 96 | $157.6M | 22.83% | 0.04% | 1.55% | 64.0% |
| Q3 2025 | 95 | $158.7M | 22.87% | 0.00% | 1.47% | 64.0% |
| Q2 2025 | 94 | $157.4M | 23.08% | 0.03% | 1.34% | 62.1% |
| Q1 2025 | 93 | $155.7M | 23.66% | 0.01% | 1.18% | 63.0% |
| Q4 2024 | 94 | $148.7M | 23.98% | 0.00% | 1.40% | 65.7% |
| Q3 2024 | 96 | $149.1M | 24.50% | 0.00% | 1.54% | 62.5% |
| Q2 2024 | 96 | $150.8M | 26.62% | 0.02% | 1.57% | 59.5% |
2,650 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| Bank of DawsonBank Dawson, GA | 94 out of 100, Very strong | $159.9M | 18.2% | 0.22% | vs |
| Family BankBank Pelham, GA | 65 out of 100, Moderate | $162.0M | 14.1% | 2.21% | vs |
| Bank of DadeBank Trenton, GA | 79 out of 100, Strong | $162.3M | 9.4% | 0.25% | vs |
| Bank of MonticelloBank Monticello, GA | 83 out of 100, Strong | $158.0M | 14.5% | 1.06% | vs |
| Farmers State BankBank Dublin, GA | 90 out of 100, Very strong | $156.2M | 13.9% | 0.28% | vs |
| Moultrie Bank & TrustBank Moultrie, GA | 82 out of 100, Strong | $150.6M | 14.1% | 0.10% | vs |
Deposit insurance
Is my money safe at West Central Georgia Bank?
Yes. West Central Georgia Bank is an FDIC-insured institution (FDIC certificate #21526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.1% of deposits ($16.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 22.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
West Central Georgia Bank lists 2 offices in 1 city. Most locations:
- Thomaston, GA (2)
Identity & history
Profile
- Legal name
- West Central Georgia Bank
- Type
- State-chartered bank
- FDIC certificate #
- 21526
- RSSD ID
- 280138
- Primary regulator
- FDIC
- Holding company
- Wcg Bancshares Inc
- Established
- April 15, 1974
- Headquarters
- 617 N Church St, Thomaston, GA 30286
- Website
- www.wcgb.com
- Employees
- 27
Quick answers
West Central Georgia Bank: common questions
Is West Central Georgia Bank FDIC insured?
Yes. West Central Georgia Bank is an FDIC-insured institution (FDIC certificate #21526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is West Central Georgia Bank's TellerScore?
97 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has West Central Georgia Bank ever failed?
There is no failure record for FDIC certificate #21526 in the FDIC failed bank list.
How many branches does West Central Georgia Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Thomaston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| Georgia Community BankBank Albany, GA | 78 out of 100, Strong | $375.0M | 13.7% | 1.25% | vs |
| First Peoples BankBank Pine Mountain, GA | 77 out of 100, Strong | $449.4M | 12.8% | 0.12% | 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 |