SOUTH GEORGIA BANKING COMPANY

OMEGA, GA | Medium | Est. June 14, 1937, midnight | FDIC #20198 | RSSD #767732 | FDIC
Latest Report: 2025-12-31

SOUTH GEORGIA BANKING COMPANY is amn medium FDIC-insured commercial bank headquartered in OMEGA, GA, established in June 14, 1937, midnight. As of 2025-12-31, the bank reported total assets of $606M and total deposits of $529M. Profitability stands at 0.49% ROA and 3.78% ROE, with a net interest margin of 4.95%. The bank's CET1 capital ratio is 17.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.54% and a Texas Ratio of 2.52%. FDIC Certificate #20198.

Assets

$606M

Deposits

$529M

Loans

$370M

Equity

$75M

Profitability

Return on Assets (ROA) 0.49%
Return on Equity (ROE) 3.78%
Net Interest Margin (NIM) 4.95%
Yield on Assets 5.61%
Cost of Funds 0.71%

Asset Quality

NPL Ratio 0.54%
Net Charge-Off Ratio 0.53%
Texas Ratio 2.52%
NPA Ratio 0.33%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 17.04%
Tier 1 Capital 17.04%
Total Capital Ratio 18.11%
Leverage Ratio 13.13%
Loan-to-Deposit 70.04%

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