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Wheeler County State Bank

Alamo, GA
IDRSSD: 989534
Total Assets
$163.45M
Latest filing
Total Deposits
$137.10M
Latest filing
Net Interest Margin
5.29%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date06/29/1934
Community BankYes
Ownership TypeNot Mutual
ZIP30411
State and County Number13309
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameN/A

Operational Info

Number of Employees22
Domestic Offices4
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/26/1945
Primary Insurance AgencyDIF
Websitehttp://www.atlanticsouthbank.com
Data Updated11/14/2025
CERT16228
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$163.45M
Total Deposits$137.10M
Total Liabilities$138.15M
Total Equity Capital$25.30M
Net Income$377.00k
Net Loans and Leases$100.42M
Assets Per Employee ($Millions)$7.43M
Bank Premises and Fixed Assets$559.00k
Cash and Balances due from Depository Institutions$56.60M
Deposits Held in Domestic Offices$137.10M

Key Performance Ratios

Return on Assets (ROA)0.91%
Return on Equity (ROE)6%
Net Interest Margin5.29%
Efficiency Ratio80.56%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.12%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets15.481%
Earning Assets to total Assets96.44%

Income and Expense

Total Interest Income$2.63M
Total Noninterest Income$78.00k
Total Interest Expense$515.00k
Total Noninterest Expense$1.77M
Net Interest Income$2.12M
Pre-tax Net Operating Income$377.00k
Provision for Credit Losses$50.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$263.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.04M
Total Liabilities and Capital$163.45M

Securities

Securities$4.68M
Available-for-sale debt securities$0
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$4.68M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Wheeler County State Bank?
$163.45M as of the latest filing.
How much are Wheeler County State Bank's total deposits?
$137.10M in total deposits.
Where is Wheeler County State Bank located?
Alamo, GA.
What is the Net Interest Margin?
5.29%.
How many domestic offices does it operate?
4.
When was it established?
06/29/1934.
What is the Return on Assets (ROA)?
0.91%.
How much are total loans and leases?
$100.42M (latest filing).
What is the total interest income (latest filing)?
$2.63M.