GEORGIA FIRST BANK

SOPERTON, GA | Small | Est. June 1, 1903, midnight | FDIC #889 | RSSD #260831 | FDIC
Latest Report: 2025-12-31

GEORGIA FIRST BANK is asn small FDIC-insured commercial bank headquartered in SOPERTON, GA, established in June 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $275M and total deposits of $247M. Profitability stands at 1.89% ROA and 19.44% ROE, with a net interest margin of 5.70%. The bank's CET1 capital ratio is 12.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 4.66%. FDIC Certificate #889.

Assets

$275M

Deposits

$247M

Loans

$223M

Equity

$26M

Profitability

Return on Assets (ROA) 1.89%
Return on Equity (ROE) 19.44%
Net Interest Margin (NIM) 5.70%
Yield on Assets 7.96%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.17%
Texas Ratio 4.66%
NPA Ratio 0.51%
ACL / Loans 1.61%

Capital & Liquidity

CET1 Ratio 12.86%
Tier 1 Capital 12.86%
Total Capital Ratio 14.12%
Leverage Ratio 9.76%
Loan-to-Deposit 90.46%

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