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South Georgia Bank
Glennville, GA · FDIC Certificate #32532 · Chartered 04/0
Total assets
$269.55M
Total deposits
$241.34M
Total equity
$23.88M
Net loans
$133.73M
Branches (offices)
5
Net income (YTD)
$2.44M
Rank: #2,613 of 4,213 U.S. banks by assets · #75 of 123 in Georgia. Assets changed 8.0% and deposits 7.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 20.90% |
| Net interest margin (YTD) | 4.36% |
| Equity to assets | 8.86% |
| Tier 1 leverage ratio | 10.60% |
| Uninsured deposits (share of deposits) | 32.4% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | 0.24% |
| Loans to deposits | 55.4% |
| Real estate loans (share of loans) | 78.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $104.28M | 78.0% | |
| Commercial & industrial | $19.43M | 14.5% | |
| Consumer / individual | $6.55M | 4.9% | |
| Construction & development | $13.17M | 9.8% | |
| Agricultural | $1.97M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $213.23M | $193.69M | $1.96M | $16.67M |
| Jun 2023 | $214.29M | $193.57M | $2.14M | $16.95M |
| Jun 2024 | $217.95M | $194.21M | $2.19M | $18.80M |
| Jun 2025 | $249.47M | $223.84M | $2.23M | $20.45M |
| Jun 2026 | $269.55M | $241.34M | $2.44M | $23.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $241.34M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $241.34M.
Similar-sized banks
The Peoples Bank ($269.68M) · Community Bank Of Georgia ($269.49M)
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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