South Georgia Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1238.88 percentage points higher than in Q1 2026, at 1565.77%. South Georgia Bank ranks 43rd of 121 Georgia banks on return on assets, in the upper half at 1.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. South Georgia Bank sits 0.58 points higher, at 1.84% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.57% |
| Tier 1 risk-based capital ratio | 20.57% |
| Total risk-based capital ratio | 21.84% |
| Tier 1 leverage ratio | 10.60% |
| Equity capital to assets | 8.86% |
| Tangible equity to tangible assets | 8.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 0.81% |
| Allowance for credit losses to loans | 2.53% |
| Reserve coverage of non-performing loans | 1565.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.84% |
| Return on equity | 21.04% |
| Net interest margin | 4.53% |
| Efficiency ratio | 50.79% |
| Yield on earning assets | 5.75% |
| Cost of funds | 1.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.85% |
| Core deposits to total deposits | 88.79% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.54% |
| Securities to assets | 20.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.25% | 19.25% | 20.52% | 11.75% | 2.07% |
| Q4 2023 | 19.37% | 19.37% | 20.63% | 11.68% | 1.98% |
| Q1 2024 | 19.57% | 19.57% | 20.84% | 11.37% | 1.95% |
| Q2 2024 | 19.99% | 19.99% | 21.25% | 11.70% | 2.03% |
| Q3 2024 | 20.01% | 20.01% | 21.28% | 11.81% | 2.01% |
| Q4 2024 | 20.52% | 20.52% | 21.79% | 11.68% | 1.98% |
| Q1 2025 | 20.36% | 20.36% | 21.62% | 11.43% | 1.85% |
| Q2 2025 | 19.82% | 19.82% | 21.08% | 10.70% | 1.86% |
| Q3 2025 | 19.57% | 19.57% | 20.84% | 10.61% | 1.84% |
| Q4 2025 | 19.79% | 19.79% | 21.06% | 10.68% | 1.86% |
| Q1 2026 | 20.41% | 20.41% | 21.68% | 10.66% | 1.84% |
| Q2 2026 | 20.57% | 20.57% | 21.84% | 10.60% | 1.84% |
South Georgia Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock South Georgia Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full South Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32532) · FFIEC NIC profile (RSSD 995571)