Applications / Mortgage Analytics / Lenders / Georgia / Talbot State Bank
Woodland, GA · State non-member bank · FDIC · $53.0 million assets · 61 loans in 2025
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61
loans originated, 2025
99
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Talbot State Bank is a small-loan, refinance-led lender whose 2025 borrowers were 57.4% LMI (low- and moderate-income), higher than nearly all similar banks.
Refinance made up 59.0% of its 61 loans and home improvement 23.0%, while purchase loans were only 11.5%. That mix may point to a bank that mainly serves homeowners it already knows rather than people buying a home.
Similar lenders here are state non-member banks making between half and twice as many loans. Talbot State Bank's typical loan of $65,000 was lower than nearly all of them, against $172,500, and its $5.7 million total was among the lowest tenth. Small refinance and home-improvement loans could explain both, as could manufactured homes, 14.8% of its loans against 2.7% for the typical peer.
37.7% of its loans were in majority-minority tracts, against 6.5% for similar banks and higher than nearly nine in ten of them. Together with its LMI borrower share, this may reflect the population of the Georgia counties it serves.
Its loans rose 22% from 50 to 61, higher than about seven in ten similar banks, whose count grew 8%. It filed no report for 2020 to 2022, a gap in the record rather than years without lending; it made 72 loans in 2019 and 71 in 2023.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Talbot State Bank took 99 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 59.0% · Home improvement 23.0% · Purchase 11.5% · Other 6.6%
Conventional 100.0% · of 61 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 60 | 98.4% |
| Alabama | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 28 |
| Columbus | 13 |
| Macon-Bibb County | 4 |
| Warner Robins | 2 |
| Dalton | 1 |
| Marietta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V2JTNKMMF06966 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 577230 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3178 | 1999–2017 |
Established 25 November 1907. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Talbot State Bank's data.
Talbot State Bank's data
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Talbot State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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