Northeast Georgia Bank
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Data as of · sourced from FFIEC call reports. How we update
Northeast Georgia Bank is an FDIC-insured commercial bank headquartered in Lavonia, GA, established in 1934 (FDIC certificate 15771), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $650.6M, up 2.5% from Q2 2025, the 24th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.41% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15771
- Headquarters
- Lavonia, GA
- Established
- 1934
- Total assets, Q2 2026
- $650.6M
- Assets vs Q2 2025
- +2.5%
- Tier 1 leverage ratio, Q2 2026
- 13.41%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 061103030
- Latest call report
- Q2 2026, FFIEC 051 · Northeast Georgia Bank call report
- Holding company
- FIRST SECURITY BANKSHARES, INC.
- Asset rank in state
- 24th of 121 in Georgia
Northeast Georgia Bank is one of the more profitable banks of its size. Based in Lavonia, Georgia, it had $651 million in assets at June 30, 2026, up 2.5% from a year earlier. It earns about $2.59 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 6.2% and deposits rose 1.9%.
As of June 30, 2026, Northeast Georgia Bank reported a return on assets of 2.59%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.05%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Northeast Georgia Bank is the 24th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 3.0% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 20.9% of total loans, ahead of construction and land development loans at 20.2%. Its 9 offices in the FDIC Summary of Deposits are in 9 cities in GA; its Hartwell office books 19% of its branch deposits. On its Q2 2026 call report, Northeast Georgia Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 12461 Augusta Rd, Lavonia, GA 30553
- County
- Franklin
- 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
- January 1, 1934
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 91
- Domestic deposits
- $562.9M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $122K
- Average total assets
- $657.6M
- Average total loans
- $332.9M
- Average interest-bearing deposits
- $430.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 23, 1940
- FDIC Cert
- 15771
- Fed RSSD
- 888833
- Website
- www.northeastgabank.com →
- Parent Holding Company
- FIRST SECURITY BANKSHARES, INC. (RSSD 1085572)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Northeast Georgia Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Northeast Georgia Bank's total assets moved between a low of $590.6M (Q3 2023) and a high of $651.7M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$650.6M total assets against $634.7M; $569.5M total liabilities against $559.7M.
$332.7M net loans and leases against $313.2M; $562.9M total deposits against $552.4M.
$131.1M securities against $136.5M; $158.9M cash and balances due against $155.5M.
$8.7M total interest income against $8.8M; $1.4M total interest expense against $1.7M.
$7.3M net interest income against $7.1M.
$758K total noninterest income against $604K; $3.5M total noninterest expense against $3.3M.
$207K provision for credit losses against $127K.
$4.3M net income against $4.2M.
2.59% return on assets against 2.58%; 4.74% net interest margin against 4.66%.
13.41% tier 1 leverage ratio against 12.76%.
Inside the full Northeast Georgia Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNortheast Georgia Bank rankings
Its closest position to the top of a national ranking is 144 of 3,611, for ROA; its furthest is 3,285 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.48% (Q1 2025) to 3.17% (Q4 2025) and its net interest margin ran from 4.47% (Q4 2024) to 4.91% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.41% | 2.59% | 0.01% | 0.05% | 4.74% |
| Q1 2026 | 12.77% | 2.54% | 0.04% | 0.14% | 4.52% |
| Q4 2025 | 14.18% | 3.17% | 0.03% | 0.10% | 4.70% |
| Q3 2025 | 13.65% | 2.91% | 0.03% | 0.11% | 4.91% |
| Q2 2025 | 12.76% | 2.58% | 0.17% | 0.67% | 4.66% |
| Q1 2025 | 12.15% | 2.48% | 0.16% | 0.68% | 4.48% |
| Q4 2024 | 12.89% | 2.53% | 0.16% | 0.63% | 4.47% |
| Q3 2024 | 12.99% | 2.65% | 0.17% | 0.64% | 4.64% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hartwell Branch | Hartwell , GA | 30643 | $104.6M |
| Northeast Georgia Bank (main office) | Lavonia , GA | 30553 | $103.3M |
| Elberton Branch | Elberton , GA | 30635 | $77.7M |
| Braselton Branch | Braselton , GA | 30517 | $68.1M |
| Commerce Branch | Commerce , GA | 30529 | $65.7M |
| Jefferson Branch | Jefferson , GA | 30549 | $39.0M |
| Carnesville Branch | Carnesville , GA | 30521 | $38.1M |
| Toccoa Office Branch | Toccoa , GA | 30577 | $37.0M |
| Royston Branch | Royston , GA | 30662 | $29.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 7, 2009 | Structure Change | Acquired Freedom Bank of Georgia Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 6, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 4, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2000 | Structure Change | Acquired Bank of Hartwell Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 10, 1995 | Structure Change | Acquired Braselton Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 8, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in GA, rank 44 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $234K approved, $234K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Northeast Georgia Bank
What are Northeast Georgia Bank's total assets?
As of the Q2 2026 filing, Northeast Georgia Bank reported total assets of $650.6 million in its FFIEC call report.
Where is Northeast Georgia Bank headquartered?
It is headquartered in Lavonia, GA, United States.
When was Northeast Georgia Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Northeast Georgia Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15771). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northeast Georgia Bank?
Northeast Georgia Bank's primary federal regulator is the FDIC.
How many branches does Northeast Georgia Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northeast Georgia Bank's Texas Ratio?
Its Texas Ratio is 0.05% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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