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Financial strength ranking · Georgia · Call Report data as of Q2 2026

Best Banks in Georgia by Financial Strength

Farmers and Merchants Bank ranks first among the 107 banks headquartered in Georgia we score, with a financial strength score of 87.3 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first
Farmers and Merchants Bank
Its score
87.3 of 100
Banks scored in Georgia
107
Its return on assets
2.16%

The 100 highest scoring banks in Georgia

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Georgia ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.
1 Farmers and Merchants Bank Sylvania 87.3 2.16% 38.27% 16.16% 0.07% $170.7M
2 Northeast Georgia Bank Lavonia 87.2 2.59% 42.48% 13.41% 0.01% $650.6M
3 Sunmark Community Bank Perry 86.9 2.95% 46.62% 14.61% 0.03% $556.6M
4 FNB South Alma 86.7 2.66% 46.82% 16.24% 0.07% $734.8M
5 Durden Banking Company, Incorporated Twin City 86.6 3.63% 43.95% 16.24% 0.12% $299.2M
6 The First National Bank of Waynesboro Waynesboro 84.7 2.24% 46.64% 19.14% 0.13% $229.1M
7 Farmers State Bank Lincolnton 84.4 2.80% 49.49% 15.44% 0.08% $186.2M
8 First American Bank and Trust Company Athens 83.5 2.06% 48.05% 13.34% 0.00% $901.9M
9 The Citizens Bank of Georgia Cumming 82.3 1.89% 37.81% 11.49% 0.00% $598.5M
10 Classic City Bank Athens 81.9 2.10% 39.02% 11.04% 0.00% $314.3M
11 AB&T Albany 81.4 1.98% 47.58% 11.85% 0.00% $261.2M
12 West Central Georgia Bank Thomaston 80.9 1.66% 53.12% 22.22% 0.02% $160.4M
13 United Bank Zebulon 79.7 2.42% 48.77% 12.75% 0.10% $2.16B
14 Bank of Dawson Dawson 77.7 1.85% 53.95% 18.15% 0.14% $159.9M
15 Century Bank & Trust Milledgeville 77.6 1.91% 47.29% 11.79% 0.04% $490.7M
16 Douglas National Bank Douglas 76.0 3.47% 41.16% 10.33% 0.08% $326.9M
17 The Commercial Bank Crawford 75.9 3.17% 41.85% 10.72% 0.12% $463.7M
18 Bank of Madison Madison 75.7 1.74% 48.43% 11.59% 0.01% $448.1M
19 Bank of Monticello Monticello 75.2 3.33% 41.49% 14.52% 0.77% $158.0M
20 Bank of Hazlehurst Hazlehurst 74.3 2.31% 54.83% 14.56% 0.29% $134.2M
21 Thomasville National Bank Thomasville 74.0 2.51% 38.64% 10.75% 0.21% $2.18B
22 RBC Bank (Georgia), N.A. Atlanta 73.9 2.57% 23.85% 10.42% 0.19% $9.59B
23 First National Community Bank Chatsworth 73.2 1.93% 48.19% 12.92% 0.31% $754.7M
24 Rabun County Bank Clayton 73.1 2.00% 47.29% 10.49% 0.03% $361.5M
25 The Citizens Bank of Cochran Cochran 72.8 2.06% 51.44% 14.76% 0.43% $201.4M
26 Exchange Bank Milledgeville 72.2 1.89% 57.09% 11.93% 0.02% $410.3M
27 Farmers State Bank Dublin 70.9 2.19% 59.64% 13.92% 0.22% $156.2M
28 The Citizens Bank of Swainsboro Swainsboro 70.5 1.89% 51.67% 12.29% 0.26% $420.5M
29 Community Bank of Pickens County Jasper 69.2 2.40% 37.81% 13.55% 1.60% $628.6M
30 South Georgia Bank Glennville 68.9 1.84% 50.79% 10.60% 0.08% $269.5M
31 The Citizens National Bank of Quitman Quitman 68.7 1.63% 51.37% 11.56% 0.13% $133.7M
32 Metro City Bank Doraville 68.6 1.96% 39.23% 11.08% 0.42% $4.47B
33 Citizens Bank of Americus Americus 68.1 1.62% 46.38% 10.25% 0.05% $511.1M
34 Southeastern Bank Darien 67.8 1.69% 55.94% 13.42% 0.27% $624.9M
35 Bank of Camilla Camilla 67.7 1.36% 56.60% 20.79% 0.26% $188.1M
36 River City Bank Rome 67.6 1.76% 55.67% 10.15% 0.00% $423.4M
37 Peoples Bank & Trust Buford 67.5 1.41% 43.72% 10.81% 0.08% $563.3M
38 First State Bank Wrens 67.1 1.87% 44.84% 10.53% 0.26% $512.7M
39 Commercial Banking Company Valdosta 65.9 1.88% 56.63% 10.32% 0.03% $409.5M
40 First Century Bank, N.A. Commerce 65.2 1.23% 69.69% 16.84% 0.00% $831.6M
41 Bank of Dade Trenton 65.0 2.57% 49.65% 9.45% 0.16% $162.3M
42 First State Bank of Blakely Blakely 64.8 1.86% 49.96% 19.19% 2.47% $668.2M
43 American Commerce Bank, N.A. Bremen 64.3 1.77% 47.92% 17.09% 2.51% $495.7M
44 First National Bank of Griffin Griffin 64.2 1.53% 60.26% 11.41% 0.02% $368.3M
45 Primesouth Bank Blackshear 63.9 2.02% 44.48% 12.03% 1.23% $1.60B
46 Community Bank of Georgia Baxley 63.1 1.90% 42.87% 10.99% 0.73% $269.5M
47 F&M Bank Washington 62.8 1.35% 59.62% 14.93% 0.26% $419.9M
48 South Georgia Banking Company Omega 62.6 1.72% 59.73% 13.86% 0.45% $570.1M
49 Embassy National Bank Lawrenceville 62.1 1.49% 63.70% 10.95% 0.00% $227.9M
50 Legacy State Bank Loganville 62.0 1.20% 58.53% 12.05% 0.04% $205.9M
51 Community Banking Company Fitzgerald 61.6 1.63% 52.00% 11.26% 0.39% $297.3M
52 Citizens Trust Bank Atlanta 60.7 1.61% 52.53% 13.24% 0.90% $790.3M
53 Citizens Bank of the South Sandersville 60.6 1.57% 57.11% 11.94% 0.35% $395.1M
54 Georgia Community Bank Albany 58.8 1.87% 60.32% 13.67% 0.88% $375.0M
55 Glennville Bank Glennville 58.1 1.58% 52.26% 11.02% 0.51% $444.2M
56 Magnolia State Bank Eastman 58.0 1.82% 65.95% 15.65% 0.72% $198.7M
57 Moultrie Bank & Trust Moultrie 57.4 0.62% 59.62% 14.07% 0.05% $150.6M
58 Georgia First Bank Soperton 57.2 1.81% 60.28% 9.52% 0.06% $290.8M
59 Waycross Bank & Trust Waycross 56.4 1.27% 63.03% 12.15% 0.16% $242.2M
60 The Farmers Bank Greensboro 56.4 1.09% 59.96% 11.21% 0.04% $148.3M
61 Carver State Bank Savannah 56.3 1.35% 73.75% 14.99% 0.19% $111.2M
62 Pineland Bank Alma 56.1 1.68% 57.33% 10.48% 0.35% $597.1M
63 United National Bank Cairo 55.9 1.54% 54.85% 14.77% 2.34% $308.7M
64 The Peoples Bank Eatonton 55.9 1.28% 68.35% 11.67% 0.03% $269.7M
65 Altamaha Bank and Trust Company Vidalia 55.8 1.58% 57.00% 10.19% 0.24% $334.1M
66 The Peoples Bank of Georgia Talbotton 53.8 1.67% 55.89% 9.65% 0.30% $252.3M
67 First Peoples Bank Pine Mountain 53.7 1.03% 66.89% 12.84% 0.09% $449.4M
68 Craft Bank Atlanta 53.5 1.56% 59.58% 13.81% 1.38% $305.9M
69 Great Oaks Bank Richmond Hill 51.9 1.46% 67.64% 10.25% 0.07% $422.0M
70 Guardian Bank Valdosta 50.3 1.48% 57.69% 11.55% 0.98% $597.9M
71 Peoplessouth Bank Colquitt 50.2 1.36% 52.04% 10.45% 0.73% $1.21B
72 The Merchants & Citizens Bank McRae 49.7 0.88% 70.02% 13.24% 0.13% $146.0M
73 American Pride Bank Macon 49.2 0.51% 77.74% 14.08% 0.00% $1.03B
74 First Port City Bank Bainbridge 49.1 1.54% 55.99% 10.49% 0.86% $623.9M
75 Farmers & Merchants Bank Lakeland 49.0 1.65% 46.19% 9.74% 1.54% $862.0M
76 Planters First Bank Cordele 49.0 1.78% 60.64% 10.71% 0.90% $485.7M
77 Promiseone Bank Duluth 48.9 1.55% 56.01% 10.12% 0.71% $812.2M
78 Flint Community Bank Albany 47.8 2.16% 50.32% 9.06% 1.67% $357.1M
79 South Coast Bank & Trust Brunswick 47.1 1.47% 61.82% 9.90% 0.35% $269.8M
80 Planters and Citizens Bank Camilla 46.6 0.95% 66.88% 10.54% 0.04% $139.2M
81 First National Bank of Coffee County Douglas 46.0 1.45% 63.14% 8.85% 0.12% $547.5M
82 Banksouth Greensboro 45.2 1.67% 68.85% 10.17% 0.44% $1.59B
83 Family Bank Pelham 42.4 1.12% 64.17% 14.13% 1.95% $162.0M
84 Mount Vernon Bank Mount Vernon 40.8 1.30% 69.13% 10.26% 0.42% $217.6M
85 Colony Bank Fitzgerald 40.7 1.21% 60.70% 9.97% 0.58% $3.61B
86 Bank of Newington Newington 40.4 1.47% 60.93% 9.07% 0.55% $333.8M
87 Peoples Bank Lyons 39.8 1.24% 59.40% 11.18% 3.06% $192.4M
88 The Peoples Bank Willacoochee 39.5 0.76% 77.67% 12.45% 0.30% $109.3M
89 Bank of Dudley Dudley 38.8 0.91% 68.84% 9.62% 0.08% $537.9M
90 Farmers & Merchants Bank Eatonton 38.7 0.71% 67.04% 11.20% 0.37% $289.6M
91 Touchmark National Bank Alpharetta 37.9 0.78% 59.33% 13.11% 5.26% $416.9M
92 Vallant Bank Elberton 37.6 1.18% 67.84% 9.85% 0.39% $3.99B
93 The Geo. D. Warthen Bank Sandersville 36.7 0.95% 77.39% 13.01% 0.80% $190.3M
94 Georgia Banking Company Atlanta 36.5 0.96% 68.57% 10.78% 0.53% $3.26B
95 Ameris Bank Atlanta 36.2 0.83% 72.46% 11.41% 0.47% $28.42B
96 The Bank of Lafayette La Fayette 34.7 0.87% 57.47% 9.35% 0.57% $446.8M
97 Queensborough National Bank & Trust Company Louisville 34.2 1.11% 64.25% 8.64% 0.36% $2.28B
98 Citizens Community Bank Hahira 34.0 1.30% 66.29% 8.94% 0.55% $221.9M
99 Bank of Alapaha Alapaha 33.4 0.65% 77.30% 10.23% 0.17% $251.0M
100 Barwick Banking Company Barwick 32.6 0.92% 61.15% 8.67% 0.41% $829.6M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Georgia?

By our financial strength score, Farmers and Merchants Bank of Sylvania ranks first among the 107 scored banks headquartered in Georgia, scoring 87.3 out of 100 for Q2 2026: return on assets of 2.16%, an efficiency ratio of 38.27%, a Tier 1 leverage ratio of 16.16% and nonperforming assets of 0.07% of total assets. Northeast Georgia Bank and Sunmark Community Bank rank second and third.

How are the best banks in Georgia ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

Best banks in other states

More in Georgia

Largest banks in Georgia Bank deposits in Georgia Largest credit unions in Georgia Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.