# WEST CENTRAL GEORGIA BANK
THOMASTON, GA · FDIC certificate 21526 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $160.4M | |
| Deposits | $123.7M | |
| Loans and leases | $79.5M | |
| Total equity | $34.0M | |
| Loans / deposits | 62.77% (p34 of band) | 73.59% |
| Liquid assets / assets | 46.11% (p73 of band) | |
| Uninsured deposits / deposits | 13.10% (p25 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 22.22% (p92 of band) | 11.76% |
| Unrealized securities loss / equity | -10.06% (p40 of band) | -6.57% |
| AOCI / equity | -0.32% (p53 of band) | |
| ROA (annualized) | 1.65% (p74 of band) | 1.17% |
| Net interest margin | 4.29% (p67 of band) | 3.93% |
| Efficiency ratio | 55.75% (p24 of band) | |
| Noncurrent loans | 0.04% (p29 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p65 of band) | |
| Reserve coverage of noncurrent | 5134.29% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 13.23% (p44 of band) | |
| Auto loans | $1.8M (2.31% of loans; DQ 6.87%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | assets shrinking |
| 2020-06 | 2 | capital falling | deposits shrinking |
| 2020-09 | 1 |  | uninsured deposits leaving |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | deposits shrinking |  |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2023-11-01 [Bazemore Named CEO of WCGB - upsonbeacon.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQYl85OTlDWDNURmpqTE0wWVJWT1doTXdVUUFvZ0IxMlg1M0xHaGFFcXk2QTZQVHFoel8tMXVmQktYYU16QW5xX2dXblM0X1YzdVVCUHhOb1g5RDY0TkdWbzJDR0dfZmRKTkpNNGlRVHhscEh4cHVadlBOZElobXdwTjRvUXI3b3VnY2tJS19zWlE4djFWVW1EYkE2REN4Zy1qUFBmUWJZOHVocVdnZkxrMXVhQ2Y?oc=5) · upsonbeacon.com
- 2023-10-30 [Deacon Bobby Ray Sanders Obituary in Barnesville at Trice Funeral Home, Inc. - articobits.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQQXp4QlQtMTNjYzE5eDEtcVRfLU04VjdsQmpLUDVaZzBKeWJwb2ZORzQyUWFxX0Jyc3p6NmQxcF9yN2k0ZDhRa0FRNndLeFhHYU5Oak1mc1BJNHlzbW5vd3U0SXVtcC1uR3llblFwM3JuRXpLQUdUc3ZPVlM4N2lfWS1YejRPNDhvMjRYOHJOZE5UNTEwQmVrZ0JB?oc=5) · articobits.com
- 2025-07-14 [Mrs. Gwen C. Brown Obituary (2025) - Thomaston, GA - Fletcher-Day Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxObWFieko0QjlhVHNlOUFkaXp0cTI5c0FUNTlkdHY1NE5qRzRzakJDalBqV3JXUWhjbWVtVkx6MUJJSXRNczV1aGdoTV91MFJmaDdsekg3bEVCektISEh3VUlVRmUyWDVPLTZicWUwVjZsQl9JTkRzWGhCNDhQTFNGdVFGWQ?oc=5) · legacy.com
- 2025-09-17 [McJenkin Inducted to Club - upsonbeacon.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxOWm1zZG55Vm5OdEh0SWxhaUV3X2pOMS1mRGZFMFJHVkEtbmo2ZlRuLUM4X2pweWNHX3FSanZ4QV9Jb2ZTMnBSeG9DekZ5blhNVTNTczBaYzh1NU82RDllWnFDZE16Y1pLTEI0NXpEbUczTFBzRWRHYUFqcE83WVpZQjBNWmdMZXdMRWxScWJpUGxLNHlhOEJnSVg1YWlQZlNMdTZFNWMyNnNPV2JBU3BlbA?oc=5) · upsonbeacon.com
- 2025-09-21 [Julie Peyton Obituary (2025) - Thomaston, GA - Coggins Funeral Home - Thomaston - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQb1ZESTl4cURNdkR1QTVTeWs1S2JJU01HZ1lxWnozMjhhd2pvY2p5WHR0V0lVYVRVUjZkeFU0R1FjMGVFeHpVdERTV25NcEVWcDJMcVJCQ1V3NUtpeG5Ua0FVTjFibWVKN0FxWUhMdGpqYy1iRDZIdHBzdlEzcWhoSQ?oc=5) · legacy.com
- 2023-11-29 [Joan Story Coleman - upsonbeacon.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNdzBnUDVfS3VFLUt3NDExX3c4X2RTQW9FTWJMQzduMzlPc1R1dXVYTG51clFlQTVSclphZ2pRbHAyenhMUWJjeUtnNVUwTE1nTFdYMmZLaXljRGNyZkdKb2NURDdyVW9IN0lYeUVDb1ZkdTlZSlJHLS1NZG8tMWxnbnRmR0pJaWY3bEp0NVpOSVk5ZHRxRGdiY3NSZDRuT2JCQlhoWUxPUHk2LWtweG44dkVR?oc=5) · upsonbeacon.com
- 2023-04-24 [Linda Teal - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQdlFkQXlTQTA2b2ZxOGNPdDNGMVVVdzNEMTVzdzVzMEdNR2hVV1FHX09zNV8wZkhKR1RLZ1FiWU4tUGJCcUxWc1BVdVVvems1WE01YzJ4S2RPaldRLXpiTXF5TDVXcTJIMExZRndUY052Tm5VNGRaVWRtYjZUSTgwRlhPdjQxMGlrdEIxVA?oc=5) · legacy.com
- 2025-02-12 [WCGB, ULHS Recognize Student Achievement - upsonbeacon.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQeGlxbHRKcmZtTjdWaVB4RjdQa19Yc2pVbzRjQ3JXZVZZUTIyVEdZNTFfU2dGNldIX3dOWUd4U3V4VDdvREJ6NlNyNG4welVZSzlfbHV2RVBtNTRpWXBhOTBJWHV4OEZiOTE5MkVNeU5aME4zZHRLYU00WkZvNVl2UExhaXBRbTZPZl9mOXZKMHJFbU43LVFGNllJbDAtMWEzSXVWQ0FSWG9CZEg0NGdkV3NwblVCNXBWWmtCWjBha2FVQQ?oc=5) · upsonbeacon.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21526 (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/22.json (key "21526", 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