$88.1M
−0.0%y/y
Percentile by value85th percentileby value
FDIC
ASSETFS
First State Bank of Randolph County
Cuthbert, GeorgiaFDIC Cert #2157
STATEEstablished 19002 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst State Bank of Randolph County reported $88.1M in total assets. Deposits declined 1.25% over the prior year.
Return on assets was −0.31%, compared with an asset-peer median of 0.97%. The leverage ratio was 8.20%.
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Total Assets above asset peers?
- Why is CRE Concentration to Capital below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$86.3M
−1.3%y/y
Percentile by value98th percentileby value
FDIC
DEP$28M
−10.6%y/y
Percentile by value45th percentileby value
FDIC
LNLSNET−0.31%
−43 bpsy/y
Peer standing12th percentile
FDIC
NETINC + ROA111.15%
+1,565 bpsy/y
Peer standing11th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.20%
−2 bpsy/y
Peer standing4th percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $95.1M | $87.2M |
| Q3 2021 | $94.1M | $86M |
| Q4 2021 | $98.9M | $91.7M |
| Q1 2022 | $97.9M | $94.2M |
| Q2 2022 | $88.9M | $89.6M |
| Q3 2022 | $86.7M | $88M |
| Q4 2022 | $90.1M | $91.4M |
| Q1 2023 | $88.5M | $89.4M |
| Q2 2023 | $88.1M | $89M |
| Q3 2023 | $82.8M | $84.9M |
| Q4 2023 | $88.9M | $89.2M |
| Q1 2024 | $88.9M | $89.6M |
| Q2 2024 | $87.9M | $88.1M |
| Q3 2024 | $87.1M | $85.4M |
| Q4 2024 | $89M | $89M |
| Q1 2025 | $88.1M | $87.4M |
| Q2 2025 | $86M | $85.4M |
| Q3 2025 | $84M | $82.2M |
| Q4 2025 | $85.7M | $83.8M |
| Q1 2026 | $88.1M | $86.3M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $7.46M |
| Investor CRE | $381K |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $2.18M |
| C&I | $5.28M |
| Agriculture | $9.03M |
| Other | $4.02M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.31%12th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE−19.48%4th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY2.51%8th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR111.15%11th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP−1.25%26th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET−10.58%7th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR4.68%6th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ8.20%4th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.41%34th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC5%28th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.31%5th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.36%Median 1.53%90th 2.40%Observations 128
ROE
FDIC
NETINC + ROE−19.48%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.24%Median 14.35%90th 21.49%Observations 128
NIM
FDIC
NIM + NIMY2.51%2nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.41%Median 4.46%90th 5.37%Observations 128
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR111.15%3rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.00%Median 59.09%90th 85.17%Observations 128
Deposits YoY
FDIC
DEP−1.25%10th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.29%Median +5.23%90th +19.07%Observations 127
Loans YoY
FDIC
LNLSNET−10.58%2nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.48%Median +8.97%90th +23.88%Observations 126
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR4.68%2nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.44%90th 2.07%Observations 126
Leverage
FDIC
RBC1AAJ8.20%2nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.22%Median 11.22%90th 15.62%Observations 128
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.41%41st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.27%Median 2.30%90th 3.10%Observations 127
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC5%4th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 31%Median 174%90th 268%Observations 85
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.31%17th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.96%Median 0.88%90th 1.71%Observations 13
ROE
FDIC
NETINC + ROE−19.48%8th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −18.70%Median 7.48%90th 14.74%Observations 13
NIM
FDIC
NIM + NIMY2.51%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.35%Median 4.54%90th 5.62%Observations 13
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR111.15%17th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 63.06%Median 82.45%90th 127.29%Observations 13
Deposits YoY
FDIC
DEP−1.25%33rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.20%Median +4.32%90th +13.57%Observations 13
Loans YoY
FDIC
LNLSNET−10.58%8th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.92%Median +1.72%90th +16.97%Observations 13
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR4.68%0th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.14%Median 1.07%90th 2.93%Observations 13
Leverage
FDIC
RBC1AAJ8.20%8th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.21%Median 9.38%90th 15.48%Observations 13
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.41%33rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.32%Median 1.96%90th 3.07%Observations 13
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC5%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 40%Median 92%90th 174%Observations 8
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 2 branches
- Headquarters
- Cuthbert, GA
FDIC
OFFDOMOpen the Georgia dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data