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BDI
FS

First State Bank of Randolph County

Cuthbert, GeorgiaFDIC Cert #2157

STATEEstablished 19002 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.71%
−50.3%y/y
Peer standing48th percentile
Peer standing in asset:lt_100m
FDICP3ASSET + LNLSGR
90+ %
0.06%
Peer standing32nd percentile
Peer standing in asset:lt_100m
FDICP9ASSET + LNLSGR
Nonaccrual %
4.62%
+24.0%y/y
Peer standing5th percentile
Peer standing in asset:lt_100m
FDICNAASSET + LNLSGR
Noncurrent %
4.68%
+25.5%y/y
Peer standing6th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.51%
−6.6%y/y
Peer standing14th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$1.33M
−6.7%y/y
Peer standing10th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.01%
−115.4%y/y
Peer standing86th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + LNLSGR
NCO
−$1K
−114.3%y/y
Peer standing89th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.16%
+18.9%y/y
Percentile by value42nd percentileby value
Peer standing in asset:lt_100m
FDICLNATRES + LNLSGR
30–89
$202K
−55.5%y/y
Peer standing45th percentile
Peer standing in asset:lt_100m
FDICP3ASSET
90+
$16K
Peer standing29th percentile
Peer standing in asset:lt_100m
FDICP9ASSET
Nonaccrual
$1.31M
+11.1%y/y
Peer standing7th percentile
Peer standing in asset:lt_100m
FDICNAASSET