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Overview / Commentary
2859 Hwy 17a
Toccoa, GA 30577

Stephens Federal Bank is headquartered in Toccoa and is the 104th largest bank in the state of Georgia. It is also the 3,634th largest bank in the nation. It was established in 1933 and as of March of 2014, it had grown to 45 employees at 3 locations. Stephens Federal Bank has a D health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Stephens Federal Bank had $15.56 million in non-current loans and owned real-estate with $9.21 million in equity and loan loss allowances on hand to cover it. This gives Stephens Federal Bank a Texas Ratio of 168.89% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Stephens Federal Bank experienced no significant changes from 179.13% as of March 31, 2013 to 168.89% as of March 31, 2014, resulting in a positive change of 5.72%.This indicates that the balance sheet and financial strength for Stephens Federal Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Stephens Federal Bank has decreased its total deposits by -$15.14 million, resulting in -9.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Stephens Federal Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Stephens Federal Bank has $155.3 million in assets with $9.21 million in equity, resulting in a capitalization level of 5.93%, which is below average.

Institution Statistics

FDIC Certificate #29511
Year Established1933
Primary RegulatorOCC
Assets and Liabilities
Assets$155.30 million
Loans$109.92 million
Deposits$148.71 million
Equity Capital$6.29 million
Loan Loss Allowance$2.93 million
Unbacked Noncurrent Loans$3.49 million
Real Estate Owned$12.07 million
Historic Data - March 2013
Assets$171.05 million
Equity Capital$6.89 million
Loan Loss Allowance$3.93 million
Unbacked Noncurrent Loans$3.49 million
Real Estate Owned$12.66 million
Profit Margin - Quarterly
Net Interest Margin3.58%
Return on Assets-0.89%
Return on Equity-21.49%
Interest Income$1.33 million
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Stephens Federal Bank Savings Account Rates

0.05%$100-Statement Savings
0.05%--Children Money Moose Savings

Stephens Federal Bank Money Market Rates

0.10%$5k-First Business Money Market
0.07%$1k-Money Market
0.07%--IRA Money Market

Stephens Federal Bank Checking Account Rates

0.10%$10k-First Checking
0.01%$100-Smart Checking

Stephens Federal Bank Locations
Toccoa Branch12 East Doyle StreetToccoa, GA 30577
Clayton Branch221 Hwy 76 EastClayton, GA 30525
Stephens Federal Bank2859 Hwy 17aToccoa, GA 30577