bank

First State Bank Of Randolph County

Q: Is First State Bank Of Randolph County a good bank?

First State Bank Of Randolph County earns a Bankzia Trust Grade of F (32/100, "Weak"), based on a financial-strength score of 32/100 (it has no CFPB complaints on record). Below the well-capitalized threshold (1.5%); Unprofitable over the period (ROA -0.31%).

Q: Is First State Bank Of Randolph County FDIC-insured?

Yes. First State Bank Of Randolph County is a FDIC-insured bank (FDIC certificate #2157). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

Q: How big is First State Bank Of Randolph County?

First State Bank Of Randolph County holds $88 million in total assets, ranking 124th of 124 banks we track in Georgia. It operates 2 branches.

Q: Does First State Bank Of Randolph County have CFPB complaints?

No CFPB complaints against First State Bank Of Randolph County appear in our data over the analysis window, which is typical for a bank of this size.

Cuthbert, GA · Est. 1900

Trust Grade

Weak

Score: 32/100

First State Bank Of Randolph County is a bank based in Cuthbert, Georgia, established in 1900, with $88 million in total assets across 2 branches. By Trust Grade it ranks 124th of 124 banks we track in Georgia. Its capital ratio of 1.5% trails most similarly sized banks (0th percentile), versus a Georgia median of 10.5%. It posted a loss over the most recent period (-0.31% return on assets), a point to watch. No consumer complaints against First State Bank Of Randolph County appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets

$88.1M

<$100M institution

Deposits

$86.3M

Branches

Capital ratio

1.5%

Bottom 0% of <$100M peers · Georgia median 10.5%

Return on assets

-0.3%

Bottom 12% of <$100M peers · Georgia median 1.53%

Rank in Georgia

#124

of 124 banks

How First State Bank Of Randolph County compares to Georgia peers

Capital ratio

Bottom 0% of <$100M peers

First State

1.5%

Georgia median

10.5%

Higher capital ratio = stronger financial cushion

Return on assets

Bottom 12% of <$100M peers

First State

-0.3%

Georgia median

1.5%

Higher ROA = more profitable relative to asset base

How we graded First State Bank Of Randolph County

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength

32/100

Customer experience

n/a

Overall

F · 32

Below the well-capitalized threshold (1.5%)
Unprofitable over the period (ROA -0.31%)
No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First State Bank Of Randolph County over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (2)

81 Court St, Cuthbert, GA 39840
3 W Railroad St, Shellman, GA 39886

Are deposits at First State Bank Of Randolph County insured?

Yes. First State Bank Of Randolph County is an FDIC-insured bank (FDIC certificate #2157). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.