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Talbot State Bank

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Talbot State Bank Rates & Review April 2026

Q: How many branches does Talbot State Bank operate?

Talbot State Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Talbot State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Talbot State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 15, 2026

You can compare Talbot State Bank rates to other rates in our database, including 12-month CD rates currently at 2.25%, 6-month CD rates at 0.20% and 3-month CD rates at 0.40%. Savings rates are at 0.10% and money market rates are at 0.30%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to Talbot State Bank rates. MonitorBankRates evaluates the financial stability of Talbot State Bank with a 5.0 Star Rating, an B Overall Health Grade, and a Texas Ratio of 31.43%. Rates were last updated on 04/15/2026.

Talbot State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Talbot State Bank? Share your experience about Talbot State Bank by leaving a review below, or read customer reviews before you decide to use Talbot State Bank.

Overall Health & Safety Grade

Solid Health Score: 84/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

31.43%

Fair Higher than avg

Talbot State Bank

76 E Main St
Woodland, GA 31836

https://www.talbotstatebank.com

Current Rate Availability

We do not have Talbot State Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Talbot State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Talbot State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Talbot State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Talbot State Bank

Bank Holding Company TSB BCORP INC

Address 76 E Main St, Woodland, GA 31836 · Talbot

Website https://www.talbotstatebank.com

FDIC Certificate # 178

Established 11/25/1907

FDIC Insurance Date 01/01/1934

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 84/100

5.0

Exceptional Out of 5.0 Stars

31.43%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.7602%

Return on Equity (ROE) -12.8200%

Non-Performing Loans (NPL) 1.58%

Total Assets $52,956,000

Total Deposits $46,279,000

Equity Capital $2,589,000

Net Income $-679,000

Headquarters Woodland

Total Offices 2

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Talbot State Bank

Is Talbot State Bank a safe place to deposit money?

Yes, Talbot State Bank is considered a safe financial institution. With a Texas Ratio of 31.432858214554%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Talbot State Bank operate?

Talbot State Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Talbot State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Talbot State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Talbot State Bank offer online and mobile banking?

Most modern institutions like Talbot State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.talbotstatebank.com.