First State Bank of Randolph County: how it compares with its peers
Against 27 GA banks with half to twice its assets, First State Bank of Randolph County's strongest measure in Q2 2026 is assets per employee ($4.8M vs. a $5.0M peer median). Its weakest relative measure is return on assets (-0.27% vs. 1.38%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.27% | 1.38% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.61% | 4.40% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 109.30% | 68.66% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $5.0M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 35.92% | 66.54% | Context |
What it means for lending operations
Its efficiency ratio of 109.30% is above the 68.66% 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 Four County Bank Allentown, GA · $87M
- F & M Bank and Trust Company Manchester, GA · $87M
- First Bank of Pike Zebulon, GA · $87M
- Rochelle State Bank Rochelle, GA · $86M
- Bank of Hancock County Sparta, GA · $85M
- The Bank of Edison Edison, GA · $84M
Questions about First State Bank of Randolph County
How big is First State Bank of Randolph County?
First State Bank of Randolph County, established in 1900, is headquartered in Cuthbert, GA. It reported $87M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First State Bank of Randolph County's return on assets?
-0.27% annualized in Q2 2026, against a 1.38% median for 27 GA banks with half to twice its assets, ahead of 4% of them.
What is First State Bank of Randolph County's efficiency ratio?
109.30% in Q2 2026: it spent about 109 cents in noninterest expense for each dollar of revenue. The peer median is 68.66%, and lower is better.
Is First State Bank of Randolph County growing its loans?
Net loans grew 3.7% over the year to Q2 2026, while deposits shrank 1.2%.
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.