South Georgia Banking Company
South Georgia Banking Company is a locally rooted FDIC-insured community bank based in Omega, GA. On its most recent Q1 2026 call report, South Georgia Banking Company reported $590M in total assets against $510M in deposits. Profitability is strong — 1.55% ROA, paired with 12.06% ROE and a 5.10% net interest margin. Regulatory capital is solid — 17.55% CET1 and 18.62% total risk-based capital ratio. Credit metrics are in line with industry norms — 0.79% NPL ratio. 8 branches make up the footprint.
Headquarters Profile
- Address
- 5515 Alabama Ave, OMEGA, GA 31775
- County
- Tift
- Metro Area
- TIFTON, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- June 14, 1937
- Branches
- 8 domestic
- Employees (FTE)
- 115
- FDIC Cert
- 20198
- Fed RSSD
- 767732
- Website
- www.sgbconline.com →
- Parent Holding Company
- SOUTH GEORGIA BANK HOLDING COMPANY (RSSD 2764977)
Capital & Liquidity
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South Georgia Banking Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
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Frequently asked about South Georgia Banking Company
What are South Georgia Banking Company's total assets?
As of the Q1 2026 filing, South Georgia Banking Company reported total assets of $589.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is South Georgia Banking Company headquartered?
South Georgia Banking Company is headquartered in OMEGA, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was South Georgia Banking Company founded?
South Georgia Banking Company was established in 1937, per the FDIC institution directory.
Is South Georgia Banking Company FDIC-insured?
Yes. South Georgia Banking Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is South Georgia Banking Company's CET1 capital ratio?
South Georgia Banking Company reported a Common Equity Tier 1 (CET1) capital ratio of 17.55% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does South Georgia Banking Company operate?
South Georgia Banking Company operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is South Georgia Banking Company's Texas Ratio?
South Georgia Banking Company's Texas Ratio is 4.27% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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