Side-by-side · Q2 2026 data
First State Bank of Randolph County vs Georgia Community Bank
Metric by metric
| Measure | First State Bank of Randolph County | Georgia Community Bank |
|---|---|---|
| TellerScore | 27 | 78 (stronger) |
| Capital cushion | 33 | 87 (stronger) |
| Loan quality | 0 | 58 (stronger) |
| Earnings | 9 | 92 (stronger) |
| Funding & liquidity | 99 (stronger) | 67 |
| Problem-loan coverage | 0 | 88 (stronger) |
| Peer percentile | 1st | 72nd |
| Total assets | $86.9M | $375.0M |
| Deposits / shares | $84.4M | $321.7M |
| Capital ratio | 8.30% | 13.67% (stronger) |
| Problem loans | 4.53% | 1.25% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.09% |
| Return on assets | -0.27% | 1.80% (stronger) |
| Loans ÷ deposits | 35.9% (stronger) | 78.4% |
| Uninsured deposits | 15.9% (stronger) | 27.9% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.3% |
Georgia Community Bank has the higher TellerScore (78 vs 27). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Randolph County leads on 3 and Georgia Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.