# TALBOT STATE BANK
WOODLAND, GA · FDIC certificate 178 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $51.7M | |
| Deposits | $45.2M | |
| Loans and leases | $33.0M | |
| Total equity | $2.3M | |
| Loans / deposits | 72.46% (p48 of band) | 73.59% |
| Liquid assets / assets | 33.73% (p52 of band) | |
| Uninsured deposits / deposits | 19.35% (p48 of band) | 19.81% |
| Brokered deposits | 16.64% | |
| Wholesale funding | 24.38% (p97 of band) | |
| FHLB advances / assets | 7.74% | |
| Tier 1 leverage | 7.78% (p2 of band) | 11.76% |
| Unrealized securities loss / equity | -76.23% (p2 of band) | -6.57% |
| AOCI / equity | -2.42% (p9 of band) | |
| ROA (annualized) | -0.85% (p4 of band) | 1.17% |
| Net interest margin | 3.69% (p37 of band) | 3.93% |
| Efficiency ratio | 123.73% (p97 of band) | |
| Noncurrent loans | 2.35% (p89 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 25.45% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 83.77% (p91 of band) | |
| Auto loans | $16,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, losing money, reserve under noncurrent |  |
| 2011-06 | 5 | expense ratio p90 |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 6 | noncurrent p90 |  |
| 2012-03 | 6 | capital falling | noncurrent p90 |
| 2012-06 | 6 | noncurrent p90 | capital falling |
| 2012-09 | 4 |  | losing money, noncurrent p90 |
| 2012-12 | 4 |  |  |
| 2013-03 | 6 | losing money, noncurrent p90, charge-offs p90 | expense ratio p90 |
| 2013-06 | 6 | AOCI drag >20% of equity, expense ratio p90 | noncurrent p90, charge-offs p90 |
| 2013-09 | 8 | securities losses >30% of equity, noncurrent p90 |  |
| 2013-12 | 7 |  | noncurrent p90 |
| 2014-03 | 5 | noncurrent p90 | losing money, AOCI drag >20% of equity, expense ratio p90 |
| 2014-06 | 4 |  | securities losses >30% of equity |
| 2014-09 | 4 |  |  |
| 2014-12 | 5 | capital falling |  |
| 2015-03 | 6 | expense ratio p90 |  |
| 2015-06 | 7 | AOCI drag >20% of equity |  |
| 2015-09 | 7 | losing money | capital falling |
| 2015-12 | 6 |  | AOCI drag >20% of equity |
| 2016-03 | 6 | capital falling | losing money |
| 2016-06 | 5 |  | capital falling |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2017-06 | 9 | losing money, expense ratio p90 |  |
| 2017-09 | 6 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-12 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2018-03 | 9 | losing money |  |
| 2018-06 | 9 |  |  |
| 2018-09 | 7 |  | uninsured deposits leaving, losing money |
| 2018-12 | 7 |  |  |
| 2019-03 | 6 | losing money | noncurrent p90, assets shrinking |
| 2019-06 | 6 | noncurrent p90 | deposits shrinking |
| 2019-09 | 5 | deposits shrinking | losing money, noncurrent p90 |
| 2019-12 | 7 | noncurrent p90, assets shrinking |  |
| 2020-03 | 7 |  |  |
| 2020-06 | 8 | losing money |  |
| 2020-09 | 9 | capital falling |  |
| 2020-12 | 6 |  | deposits shrinking, assets shrinking, losing money |
| 2021-03 | 6 | losing money | noncurrent p90 |
| 2021-06 | 5 |  | losing money |
| 2021-09 | 5 | noncurrent p90 | capital falling |
| 2021-12 | 5 |  |  |
| 2022-03 | 7 | capital falling, losing money |  |
| 2022-06 | 9 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking | capital falling |
| 2022-09 | 10 | deposits shrinking |  |
| 2022-12 | 9 |  | deposits shrinking |
| 2023-03 | 7 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 9 | capital falling, deposits shrinking |  |
| 2023-09 | 9 | AOCI drag >20% of equity | capital falling |
| 2023-12 | 8 |  | AOCI drag >20% of equity |
| 2024-03 | 9 | capital falling |  |
| 2024-06 | 8 |  | deposits shrinking |
| 2024-09 | 7 |  | capital falling |
| 2024-12 | 10 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 10 |  |  |
| 2025-06 | 11 | capital falling |  |
| 2025-09 | 7 |  | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-12 | 7 |  |  |
| 2026-03 | 7 |  |  |
| 2026-06 | 7 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-01-04 [Concord Bank robbery trial planned for 2022 - pikecountygeorgia.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5tbjFxQk5oclVRX1Q2T2N5dFZsSUpROEI2UnJEVmdkVllSMmlyaGI4MUdFeURBX1BtMEtBZ0lqTlFpaVd2QjRwUHYtQ0xFYVJmQ3ByS0pMb0FOdEswdGMwdmk1XzMzckxRVEtNc09RWnpvNEFJNmFRYVBScHI0NUE?oc=5) · pikecountygeorgia.com
- 2026-04-23 [13 responses to “Clifton Campaign Sign Removed After Fayette Citizen Raises Concerns” - TheCitizen.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPNVJnZklvLVd3VE95d1ZEcmpQOG1IckpjWFJsWlRuTG55TldHaUZZaERvSzNQNlAxS1M5UWVXWU55SUxTNUg2cUtZLV9JTGNSWC1JalZoSndEVWhDaDZic1ptTFJfU0syalV4MW9laW5kd1ZneDI3Q0xza203dmhSNGM0b0Ryd1Fzdlo5dXVqS2l3WS1LZENUcHpiUkNpelh4dDRSXw?oc=5) · TheCitizen.com
- 2020-11-25 [Suspect charged in Pike bank robbery - Griffin Daily News](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNRjZkazZKa2pSQnh2ajlBUGlqWmVmRU1oYVBjUzY4YXdkSGptOFFlVTRnbUF5cmliZ3puTENCLW94UGxmLUJMSG10T1o1c3FEUE5vekg1M3FzT2pJc3Nudm14dzFKLU9oMzFNZHZTV04tWlpEOC1TeFFIaWdWd0laVi0wQUFISWhrZkhvTXNzT3ZTVmpjY3VaNFNxV2p6MVJEcUhOUmQ0Wk5oRkRIRENuaTVOQXZmYXRmMmhZenVBcDR2Y0RRekNDZml1UjBCUzVv?oc=5) · Griffin Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=178 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "178", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide