South Georgia Banking Company
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Data as of · sourced from FFIEC call reports. How we update
South Georgia Banking Company is an FDIC-insured commercial bank headquartered in Omega, GA, established in 1937 (FDIC certificate 20198), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $570.1M, up 2.4% from Q2 2025, the 31st largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 17.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20198
- Headquarters
- Omega, GA
- Established
- 1937
- Total assets, Q2 2026
- $570.1M
- Assets vs Q2 2025
- +2.4%
- CET1 ratio, Q2 2026
- 17.89%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 061211870
- Latest call report
- Q2 2026, FFIEC 051 · South Georgia Banking Company call report
- Holding company
- SOUTH GEORGIA BANK HOLDING COMPANY
- Asset rank in state
- 31st of 121 in Georgia
Problem loans are rising at South Georgia Banking Company. It reported $570 million in assets at June 30, 2026, up 2.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.55% of loans from 0.12% a year earlier. It keeps 5.33 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 0.74% on its deposits and borrowings, about a third the median of 1.80% for banks its size.
Net income for the quarter rose 30% from a year earlier, to $2.5 million. Over the same year, loans grew 13.2% and deposits grew 1.3%. One more trend to watch: the non-owner-occupied commercial real estate book ($87 million) is worsening: 1.03% of it is past due or on nonaccrual, up from 0.05% a year earlier.
As of June 30, 2026, South Georgia Banking Company reported a CET1 capital ratio of 17.89%, a return on assets of 1.72%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 3.49%. The figures come from its call report filed with the FFIEC.
South Georgia Banking Company ranks as the 31st largest of the 121 banks based in Georgia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.3% to $570.1M, loans rose 4.2% and deposits fell 4.5%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 21.9% of total loans, ahead of farmland and other real estate loans at 19.0%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in GA; its Tifton 2 offices book 40% of its branch deposits. On its Q2 2026 call report, South Georgia Banking Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5515 Alabama Ave, Omega, GA 31775
- County
- Tift
- Metro Area
- Moultrie, GA
- 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
- June 14, 1937
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 114
- Domestic deposits
- $487.6M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $113K
- Average total assets
- $581.6M
- Average total loans
- $388.5M
- Average interest-bearing deposits
- $318.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 11, 1970
- FDIC Cert
- 20198
- Fed RSSD
- 767732
- Website
- www.sgbconline.com →
- Parent Holding Company
- SOUTH GEORGIA BANK HOLDING COMPANY (RSSD 2764977)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, South Georgia Banking Company's total assets ran between $544.7M (Q3 2024) and $606.0M (Q4 2025), 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
$570.1M total assets against $556.8M; $490.6M total liabilities against $484.2M.
$394.5M net loans and leases against $347.4M; $487.6M total deposits against $481.4M.
$91.9M securities against $105.5M; $32.7M cash and balances due against $50.6M.
$7.9M total interest income against $7.3M; $921K total interest expense against $762K.
$7.0M net interest income against $6.5M.
$1.2M total noninterest income against $1.1M; $4.9M total noninterest expense against $5.1M.
$75K provision for credit losses against $75K.
$2.5M net income against $1.9M.
1.72% return on assets against 1.36%; 5.33% net interest margin against 5.10%.
17.89% CET1 capital ratio against 17.84%; 13.86% tier 1 leverage ratio against 13.31%.
Inside the full South Georgia Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSouth Georgia Banking Company rankings
Its closest position to the top of a national ranking is 492 of 2,134, for CET1 ratio; its furthest is 1,790 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.49% (Q4 2025) to 1.72% (Q2 2026) and its net interest margin ran from 5.03% (Q4 2024) to 5.33% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.89% | 1.72% | 0.55% | 3.49% | 5.33% |
| Q1 2026 | 17.55% | 1.55% | 0.74% | 4.00% | 5.10% |
| Q4 2025 | 17.04% | 0.49% | 0.54% | 2.89% | 5.07% |
| Q3 2025 | 18.18% | 1.38% | 0.12% | 0.62% | 5.17% |
| Q2 2025 | 17.84% | 1.36% | 0.12% | 1.53% | 5.10% |
| Q1 2025 | 17.41% | 1.38% | 0.06% | 1.23% | 5.07% |
| Q4 2024 | 17.45% | 1.30% | 0.11% | 1.53% | 5.03% |
| Q3 2024 | 18.18% | 1.41% | 0.49% | 2.44% | 5.06% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| West Second Branch | Tifton , GA | 31794 | $139.8M |
| Vienna Branch | Vienna , GA | 31092 | $66.5M |
| Ashburn Main Branch | Ashburn , GA | 31714 | $57.8M |
| Tift Avenue Branch | Tifton , GA | 31794 | $56.2M |
| Moultrie Branch | Moultrie , GA | 31768 | $55.5M |
| South Georgia Banking Company (main office) | Omega , GA | 31775 | $41.1M |
| Cordele Branch | Cordele , GA | 31015 | $40.4M |
| Sylvester Branch | Sylvester , GA | 31791 | $30.3M |
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 |
|---|---|---|---|
| February 1, 2014 | Structure Change | Acquired Bank of Dooly Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 29, 2006 | Structure Change | Acquired Community National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 28, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in GA, rank 52 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 164 applications, 141 loans originated, $16.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $273K approved, $273K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 South Georgia Banking Company
What are South Georgia Banking Company's total assets?
As of the Q2 2026 filing, South Georgia Banking Company reported total assets of $570.1 million in its FFIEC call report.
Where is South Georgia Banking Company headquartered?
It is headquartered in Omega, GA, United States.
When was South Georgia Banking Company founded?
It was established in 1937, per the FDIC institution directory.
Is South Georgia Banking Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20198). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates South Georgia Banking Company?
South Georgia Banking Company's primary federal regulator is the FDIC.
What is South Georgia Banking Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.89% 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 Banking Company operate?
It operates 8 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 Banking Company's Texas Ratio?
Its Texas Ratio is 3.49% 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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