Talbot State Bank: how it compares with its peers
Against 11 GA banks with half to twice its assets, Talbot State Bank's strongest measure in Q2 2026 is net interest margin (3.69% vs. a 4.77% peer median). Its weakest relative measure is return on assets (-0.85% vs. 0.88%).
| Measure | Talbot State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.85% | 0.88% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.69% | 4.77% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 123.73% | 73.60% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.9M | $4.4M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.46% | 65.77% | Context |
What it means for lending operations
Its efficiency ratio of 123.73% is above the 73.60% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Trust Bank Lenox, GA · $47M
- The Security State Bank Mcrae, GA · $70M
- Apex Banking Company of Georgia Cleveland, GA · $73M
- Southeast First National Bank Summerville, GA · $75M
- The Bank of Edison Edison, GA · $84M
- Bank of Hancock County Sparta, GA · $85M
Questions about Talbot State Bank
How big is Talbot State Bank?
Talbot State Bank, established in 1907, is headquartered in Woodland, GA. It reported $52M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Talbot State Bank's return on assets?
-0.85% annualized in Q2 2026, against a 0.88% median for 11 GA banks with half to twice its assets, ahead of 0% of them.
What is Talbot State Bank's efficiency ratio?
123.73% in Q2 2026: it spent about 124 cents in noninterest expense for each dollar of revenue. The peer median is 73.60%, and lower is better.
Is Talbot State Bank growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits shrank 1.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.