West Central Georgia Bank

BankThomaston, Georgia
www.wcgb.com

Total Assets

$157.6M

Total Deposits

$121.1M

Branches

2

Established

1974

TFS Health Grade

$
C-

71.9 / 100

Average financial health

How we grade

West Central Georgia Bank is a bank headquartered in Thomaston, Georgia, established in 1974. With $157.6M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C- (71.9/100).

Capital & Safety

Tier 1 Capital Ratio
22.83%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.04%

Profitability

Return on Assets (ROA)
1.55%(1%)
Return on Equity (ROE)
7.33%(10%)
Net Interest Margin
4.40%
Efficiency Ratio
57.70%(60%)

Lending & Liquidity

Total Loans
$79.3M
Loan-to-Deposit Ratio
64.03%
Net Charge-Off Ratio
0.11%

Growth

Asset Growth (YoY)
+5.95%
Deposit Growth (YoY)
+5.99%
Net Income
$2.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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