Georgia First Bank: Financial Reports & UBPR Data
BankRegReports is independent of Georgia First Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Georgia First Bank earns an unusually wide margin on its lending. Its balance sheet stood at $291 million at June 30, 2026, up 13.9% from a year earlier; it is based in Soperton, Georgia. It keeps 4.99 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew its loan book 20.7% over the year, 3.8 times the median of 5.5% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.07% of loans from 0.82%. Loans are outrunning deposits: over the year loans rose 20.7% and deposits rose 13.1%. Where it has less room is capital: it funds 9.52% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Georgia First Bank reported a CET1 capital ratio of 13.65%, a return on assets of 1.81%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.55%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1202 Second St, Soperton, GA 30457
- County
- Treutlen
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1903
- Former names
- The Bank of Soperton (2013-2022)
- Offices
- 3 domestic
- Employees (FTE)
- 49
- Domestic deposits
- $259.5M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $310.0M
- Average total loans
- $240.6M
- Average interest-bearing deposits
- $231.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 889
- Fed RSSD
- 260831
- SEC CIK
- 835594 → filed by SOPERTON BANCSHARES, INCORPORATED
- Website
- https://georgiafirst.bank →
- Parent Holding Company
- SOPERTON BANCSHARES, INCORPORATED (RSSD 1250736)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Georgia First Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Georgia First Bank, freeGeorgia First Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.65% | 1.81% | 0.07% | 0.55% | 4.99% |
| Q1 2026 | 13.49% | 1.72% | 0.07% | 0.51% | 5.19% |
| Q4 2025 | 12.86% | 1.86% | 0.63% | 4.66% | 5.44% |
| Q3 2025 | 12.28% | 2.09% | 0.64% | 4.84% | 5.85% |
| Q2 2025 | 12.48% | 2.21% | 0.82% | 6.11% | 5.60% |
| Q1 2025 | 13.21% | 1.55% | 0.89% | 6.18% | 5.29% |
| Q4 2024 | 12.39% | 1.65% | 0.90% | 6.67% | 5.68% |
| Q3 2024 | 12.41% | 1.84% | 0.87% | 6.70% | 5.39% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Georgia First Bank (main office) | Soperton , GA | 30457 | $115.0M |
| Dublin Branch | Dublin , GA | 31021 | $83.9M |
| Georgia First Bank - Vidalia Branch | Vidalia , GA | 30474 | $60.5M |
Regulatory record
What the public regulatory sources show for Georgia First Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 94 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $637K approved, $637K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Georgia First Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Georgia First Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Georgia First Bank
What are Georgia First Bank's total assets?
As of the Q2 2026 filing, Georgia First Bank reported total assets of $290.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Georgia First Bank headquartered?
Georgia First Bank is headquartered in Soperton, GA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Georgia First Bank founded?
Georgia First Bank was established in 1903, per the FDIC institution directory.
Is Georgia First Bank FDIC-insured?
Yes. Georgia First Bank is an FDIC-insured commercial bank (FDIC Certificate #889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Georgia First Bank?
Georgia First Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Georgia First Bank's CET1 capital ratio?
Georgia First Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Georgia First Bank operate?
Georgia First Bank operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Georgia First Bank's Texas Ratio?
Georgia First Bank's Texas Ratio is 0.55% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Georgia First Bank previously called?
The charter now named Georgia First Bank has also operated as The Bank of Soperton (2013-2022), per FDIC structure-change records.
Go deeper on Georgia First Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Georgia First Bank, freeFree account