SOUTH GEORGIA BANK

GLENNVILLE, GA | Small | Est. April 7, 1987, midnight | FDIC #32532 | RSSD #995571 | FDIC
Latest Report: 2025-12-31

SOUTH GEORGIA BANK is asn small FDIC-insured commercial bank headquartered in GLENNVILLE, GA, established in April 7, 1987, midnight. As of 2025-12-31, the bank reported total assets of $256M and total deposits of $228M. Profitability stands at 1.89% ROA and 21.22% ROE, with a net interest margin of 4.66%. The bank's CET1 capital ratio is 19.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.50% and a Texas Ratio of 7.98%. FDIC Certificate #32532.

Assets

$256M

Deposits

$228M

Loans

$141M

Equity

$23M

Profitability

Return on Assets (ROA) 1.89%
Return on Equity (ROE) 21.22%
Net Interest Margin (NIM) 4.66%
Yield on Assets 6.09%
Cost of Funds 1.47%

Asset Quality

NPL Ratio 1.50%
Net Charge-Off Ratio 0.02%
Texas Ratio 7.98%
NPA Ratio 0.83%
ACL / Loans 2.42%

Capital & Liquidity

CET1 Ratio 19.79%
Tier 1 Capital 19.79%
Total Capital Ratio 21.06%
Leverage Ratio 10.68%
Loan-to-Deposit 61.85%

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