South Georgia Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
South Georgia Bank is one of the more profitable banks of its size. Its balance sheet stood at $270 million at June 30, 2026, up 8.0% from a year earlier; it is based in Glennville, Georgia. It returns 21.0% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also keeps 4.53 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
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 0.16% of loans from 1.06%. The non-owner-occupied commercial real estate book ($28 million) is worsening: 16.87% of it is past due or on nonaccrual, up from 3.22% a year earlier. One more trend to watch: the commercial and industrial book ($19 million) is worsening: 3.81% of it is past due or on nonaccrual, up from 2.23% a year earlier.
As of June 30, 2026, South Georgia Bank reported a CET1 capital ratio of 20.57%, a return on assets of 1.84%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.81%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 401 S Veterans Blvd, Glennville, GA 30427
- County
- Tattnall
- 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 041
- Established
- April 7, 1987
- Former names
- South Georgia Bank, FSB (1995-1997)
- Offices
- 5 domestic
- Employees (FTE)
- 47
- Domestic deposits
- $241.3M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $169K
- Average total assets
- $267.9M
- Average total loans
- $136.4M
- Average interest-bearing deposits
- $157.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32532
- Fed RSSD
- 995571
- Website
- www.southgabank.com →
- Parent Holding Company
- SOUTH GROUP BANCSHARES, INC. (RSSD 3049569)
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 South Georgia Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock South Georgia Bank, freeSouth Georgia 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 | 20.57% | 1.84% | 0.16% | 0.81% | 4.53% |
| Q1 2026 | 20.41% | 1.84% | 0.76% | 3.97% | 4.33% |
| Q4 2025 | 19.79% | 1.86% | 1.50% | 8.06% | 4.52% |
| Q3 2025 | 19.57% | 1.84% | 1.01% | 5.45% | 4.39% |
| Q2 2025 | 19.82% | 1.86% | 1.05% | 5.91% | 4.39% |
| Q1 2025 | 20.36% | 1.85% | 1.13% | 6.51% | 4.07% |
| Q4 2024 | 20.52% | 1.98% | 0.54% | 3.09% | 4.30% |
| Q3 2024 | 20.01% | 2.01% | 0.26% | 1.46% | 4.30% |
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 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| South Georgia Bank (main office) | Glennville , GA | 30427 | $109.5M |
| Reidsville Branch | Reidsville , GA | 30453 | $68.9M |
| Claxton Branch | Claxton , GA | 30417 | $42.9M |
| Hinesville Branch | Hinesville , GA | 31313 | $13.1M |
| Augusta Branch | Augusta , GA | 30909 | $6.9M |
Regulatory record
What the public regulatory sources show for South Georgia 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
- 1 against the institution (Federal Reserve). These actions name the parent holding company, SOUTH GROUP BANCSHARES, INC., not the bank itself
- August 31, 2010, Federal Reserve: Written Agreement: South Group Bancshares, Inc., Glennville, Georgia
- Period: Most recent institution action August 31, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 100 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 134 applications, 123 loans originated, $23.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.6M approved, $3.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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.
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Frequently asked about South Georgia Bank
What are South Georgia Bank's total assets?
As of the Q2 2026 filing, South Georgia Bank reported total assets of $269.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is South Georgia Bank headquartered?
South Georgia Bank is headquartered in Glennville, GA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was South Georgia Bank founded?
South Georgia Bank was established in 1987, per the FDIC institution directory.
Is South Georgia Bank FDIC-insured?
Yes. South Georgia Bank is an FDIC-insured commercial bank (FDIC Certificate #32532). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates South Georgia Bank?
South Georgia 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 South Georgia Bank's CET1 capital ratio?
South Georgia Bank reported a Common Equity Tier 1 (CET1) capital ratio of 20.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does South Georgia Bank operate?
South Georgia Bank operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is South Georgia Bank's Texas Ratio?
South Georgia Bank's Texas Ratio is 0.81% 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 South Georgia Bank previously called?
The charter now named South Georgia Bank has also operated as South Georgia Bank, FSB (1995-1997), per FDIC structure-change records.
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