First State Bank of Randolph County
Cuthbert, GA
IDRSSD: 140634
Total Assets
$85.72M
Latest filing
Total Deposits
$83.79M
Latest filing
Net Interest Margin
2.52%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank of Randolph County
81 Court St
Cuthbert, GA 39840
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/03/1900FDIC Certificate 1426
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank of Randolph County (Main) | 81 Court St | Cuthbert, GA |
| SHELLMAN BRANCH | 3 W Railroad St | Shellman, GA |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/03/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39840 |
| State and County Number | 13243 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 17 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 01/30/2026 |
| CERT | 2157 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $85.72M |
| Total Deposits | $83.79M |
| Total Liabilities | $84.27M |
| Total Equity Capital | $1.46M |
| Net Income | $-52,000 |
| Net Loans and Leases | $28.13M |
| Assets Per Employee ($Millions) | $4.51M |
| Bank Premises and Fixed Assets | $1.01M |
| Cash and Balances due from Depository Institutions | $4.42M |
| Deposits Held in Domestic Offices | $83.79M |
Key Performance Ratios
| Return on Assets (ROA) | -0.25% |
| Return on Equity (ROE) | -15.2% |
| Net Interest Margin | 2.52% |
| Efficiency Ratio | 108.78% |
| Tier 1 Risk-Based Capital Ratio | 15.964% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 1.697% |
| Earning Assets to total Assets | 92.57% |
Income and Expense
| Total Interest Income | $878.00k |
| Total Noninterest Income | $52.00k |
| Total Interest Expense | $383.00k |
| Total Noninterest Expense | $595.00k |
| Net Interest Income | $495.00k |
| Pre-tax Net Operating Income | $-52,000 |
| Provision for Credit Losses | $4.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $255.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.50M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $480.00k |
| Total Liabilities and Capital | $85.72M |
Securities
| Securities | $39.79M |
| Available-for-sale debt securities | $39.40M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $390.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank of Randolph County?
$85.72M as of the latest filing.
How much are First State Bank of Randolph County's total deposits?
$83.79M in total deposits.
Where is First State Bank of Randolph County located?
Cuthbert, GA.
What is the Net Interest Margin?
2.52%.
How many domestic offices does it operate?
2.
When was it established?
10/03/1900.
What is the Return on Assets (ROA)?
-0.25%.
How much are total loans and leases?
$28.13M (latest filing).
What is the total interest income (latest filing)?
$878.00k.