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Georgia First Bank
Soperton, GA · FDIC Certificate #889 · Chartered 06/0
Total assets
$290.75M
Total deposits
$259.45M
Total equity
$29.48M
Net loans
$241.48M
Branches (offices)
3
Net income (YTD)
$2.67M
Rank: #2,519 of 4,213 U.S. banks by assets · #70 of 123 in Georgia. Assets changed 13.9% and deposits 13.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.86% |
| Return on equity | 18.99% |
| Net interest margin (YTD) | 5.43% |
| Equity to assets | 10.14% |
| Tier 1 leverage ratio | 9.52% |
| Uninsured deposits (share of deposits) | 27.6% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 93.1% |
| Real estate loans (share of loans) | 81.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $195.68M | 81.0% | |
| Commercial & industrial | $32.69M | 13.5% | |
| Consumer / individual | $15.41M | 6.4% | |
| Construction & development | $16.30M | 6.8% | |
| Agricultural | $1.62M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $139.51M | $122.54M | $1.01M | $13.72M |
| Jun 2023 | $182.09M | $164.86M | $1.51M | $16.35M |
| Jun 2024 | $204.75M | $184.18M | $1.85M | $18.73M |
| Jun 2025 | $255.25M | $229.37M | $2.38M | $24.05M |
| Jun 2026 | $290.75M | $259.45M | $2.67M | $29.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $259.45M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $259.45M.
Similar-sized banks
Sundance State Bank ($290.90M) · Somerville Bank ($290.63M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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