West Central Georgia Bank
Thomaston, GA
IDRSSD: 280138
Total Assets
$157.58M
Latest filing
Total Deposits
$121.09M
Latest filing
Net Interest Margin
4.47%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
West Central Georgia Bank
617 N Church St
Thomaston, GA 30286
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/15/1974FDIC Certificate 14887
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| West Central Georgia Bank (Main) | 617 N Church St | Thomaston, GA |
| NORTH THOMASTON BRANCH | 1021a Highway 19 N | Thomaston, 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 | 04/15/1974 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30286 |
| State and County Number | 13293 |
| Subchapter S Corporations | No |
| 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 | Thomaston, GA |
Operational Info
| Number of Employees | 25 |
| 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 | 04/15/1974 |
| Primary Insurance Agency | DIF |
| Website | www.wcgb.com |
| Data Updated | 01/30/2026 |
| CERT | 21526 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $157.58M |
| Total Deposits | $121.09M |
| Total Liabilities | $123.75M |
| Total Equity Capital | $33.84M |
| Net Income | $696.00k |
| Net Loans and Leases | $77.53M |
| Assets Per Employee ($Millions) | $5.84M |
| Bank Premises and Fixed Assets | $619.00k |
| Cash and Balances due from Depository Institutions | $22.74M |
| Deposits Held in Domestic Offices | $121.09M |
Key Performance Ratios
| Return on Assets (ROA) | 1.76% |
| Return on Equity (ROE) | 8.27% |
| Net Interest Margin | 4.47% |
| Efficiency Ratio | 53.03% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 21.473% |
| Earning Assets to total Assets | 93.18% |
Income and Expense
| Total Interest Income | $2.07M |
| Total Noninterest Income | $310.00k |
| Total Interest Expense | $415.00k |
| Total Noninterest Expense | $1.04M |
| Net Interest Income | $1.65M |
| Pre-tax Net Operating Income | $879.00k |
| Provision for Credit Losses | $42.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.66M |
| Total Liabilities and Capital | $157.58M |
Securities
| Securities | $48.73M |
| Available-for-sale debt securities | $48.73M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of West Central Georgia Bank?
$157.58M as of the latest filing.
How much are West Central Georgia Bank's total deposits?
$121.09M in total deposits.
Where is West Central Georgia Bank located?
Thomaston, GA.
What is the Net Interest Margin?
4.47%.
How many domestic offices does it operate?
2.
When was it established?
04/15/1974.
What is the Return on Assets (ROA)?
1.76%.
How much are total loans and leases?
$77.53M (latest filing).
What is the total interest income (latest filing)?
$2.07M.