Liquidity & Balance Sheet · Georgia
US Banks with Highest Loan-to-Deposit Ratio in Georgia
Ranked among banks headquartered in Georgia. Re-ranked 1-100 within the state from the same national ranking population.
#1 Loan-to-Deposit Ratio:FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA — 116.25% . The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
| # | Bank | HQ | US Banks with … | Total Assets |
|---|---|---|---|---|
| 1 | FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA | VALDOSTA , GA | 116.25% | $278M |
| 2 | First IC Bank | Doraville , GA | 114.41% | $1.2B |
| 3 | METRO CITY BANK | DORAVILLE , GA | 109.43% | $4.6B |
| 4 | AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION | BREMEN , GA | 108.78% | $488M |
| 5 | BARWICK BANKING COMPANY | BARWICK , GA | 103.01% | $779M |
| 6 | FAMILY BANK | PELHAM , GA | 102.79% | $159M |
| 7 | GEORGIA BANKING COMPANY | ATLANTA , GA | 101.57% | $2.7B |
| 8 | AFFINITY BANK, NATIONAL ASSOCIATION | COVINGTON , GA | 101.23% | $924M |
| 9 | THOMASVILLE NATIONAL BANK | THOMASVILLE , GA | 99.90% | $2.1B |
| 10 | AMERIS BANK | ATLANTA , GA | 98.39% | $28.0B |
| 11 | The Piedmont Bank | Peachtree Corners , GA | 97.48% | $2.4B |
| 12 | PRIMESOUTH BANK | BLACKSHEAR , GA | 96.59% | $1.5B |
| 13 | CITIZENS BANK OF COCHRAN, THE | COCHRAN , GA | 96.05% | $205M |
| 14 | FIRST STATE BANK | WRENS , GA | 94.33% | $514M |
| 15 | FIRST AMERICAN BANK AND TRUST COMPANY | ATHENS , GA | 94.04% | $890M |
| 16 | LOYAL TRUST BANK | JOHNS CREEK , GA | 92.73% | $234M |
| 17 | FIRST PEOPLES BANK | PINE MOUNTAIN , GA | 92.52% | $418M |
| 18 | FLINT COMMUNITY BANK | ALBANY , GA | 92.06% | $352M |
| 19 | DURDEN BANKING COMPANY, INCORPORATED | TWIN CITY , GA | 91.58% | $303M |
| 20 | TOUCHMARK NATIONAL BANK | ALPHARETTA , GA | 91.26% | $411M |
| 21 | Georgia Primary Bank | Atlanta , GA | 89.98% | $338M |
| 22 | FARMERS STATE BANK | DUBLIN , GA | 89.58% | $159M |
| 23 | TANDEM BANK | TUCKER , GA | 89.37% | $316M |
| 24 | CRAFT BANK | ATLANTA , GA | 89.34% | $322M |
| 25 | UNITED NATIONAL BANK | CAIRO , GA | 88.98% | $317M |
| 26 | PEOPLES BANK OF GEORGIA, THE | TALBOTTON , GA | 88.13% | $243M |
| 27 | GEORGIA FIRST BANK | SOPERTON , GA | 87.41% | $296M |
| 28 | FIRST PORT CITY BANK | BAINBRIDGE , GA | 86.61% | $601M |
| 29 | COMMUNITY BANK OF PICKENS COUNTY | JASPER , GA | 86.42% | $639M |
| 30 | CITIZENS BANK OF THE SOUTH | SANDERSVILLE , GA | 86.18% | $395M |
| 31 | Synovus Bank | Columbus , GA | 86.16% | $61.2B |
| 32 | PEOPLES BANK, THE | EATONTON , GA | 85.96% | $273M |
| 33 | FARMERS & MERCHANTS BANK | LAKELAND , GA | 85.73% | $801M |
| 34 | TC FEDERAL BANK | Thomasville , GA | 85.52% | $560M |
| 35 | RIVER CITY BANK | ROME , GA | 85.31% | $417M |
| 36 | BANK OF NEWINGTON | NEWINGTON , GA | 84.95% | $331M |
| 37 | CLAXTON BANK, THE | BELLVILLE , GA | 84.75% | $295M |
| 38 | BANKSOUTH | GREENSBORO , GA | 84.74% | $1.6B |
| 39 | Morris Bank | Dublin , GA | 84.68% | $1.6B |
| 40 | SUNMARK COMMUNITY BANK | PERRY , GA | 84.45% | $539M |
| 41 | SIGNATURE BANK OF GEORGIA | SANDY SPRINGS , GA | 84.06% | $274M |
| 42 | VALLANT BANK | ELBERTON , GA | 83.79% | $2.3B |
| 43 | FIRST STATE BANK OF BLAKELY | BLAKELY , GA | 83.76% | $664M |
| 44 | ALTAMAHA BANK AND TRUST COMPANY | VIDALIA , GA | 83.71% | $330M |
| 45 | AMERICAN PRIDE BANK | MACON , GA | 83.58% | $811M |
| 46 | FIRST NATIONAL COMMUNITY BANK | CHATSWORTH , GA | 83.40% | $721M |
| 47 | EMBASSY NATIONAL BANK | LAWRENCEVILLE , GA | 82.94% | $233M |
| 48 | COMMERCIAL BANKING COMPANY | VALDOSTA , GA | 82.73% | $409M |
| 49 | PINELAND BANK | ALMA , GA | 82.51% | $570M |
| 50 | LEGACY STATE BANK | LOGANVILLE , GA | 81.92% | $206M |
| 51 | SOUTH COAST BANK & TRUST | BRUNSWICK , GA | 81.43% | $268M |
| 52 | BANK OF MONTICELLO | MONTICELLO , GA | 80.93% | $160M |
| 53 | CITIZENS BANK OF SWAINSBORO, THE | SWAINSBORO , GA | 80.61% | $419M |
| 54 | DOUGLAS NATIONAL BANK | DOUGLAS , GA | 80.52% | $332M |
| 55 | FNB SOUTH | ALMA , GA | 80.34% | $716M |
| 56 | FIRST NATIONAL BANK OF WAYNESBORO, THE | WAYNESBORO , GA | 80.27% | $227M |
| 57 | COMMUNITY BANK OF GEORGIA | BAXLEY , GA | 80.19% | $249M |
| 58 | PROMISEONE BANK | DULUTH , GA | 79.90% | $840M |
| 59 | FIRST NATIONAL BANK OF DECATUR COUNTY | BAINBRIDGE , GA | 79.86% | $349M |
| 60 | EXCHANGE BANK | MILLEDGEVILLE , GA | 79.79% | $414M |
| 61 | BANK OF MADISON | MADISON , GA | 79.52% | $449M |
| 62 | COLONY BANK | FITZGERALD , GA | 79.05% | $3.7B |
| 63 | OCONEE STATE BANK | WATKINSVILLE , GA | 78.88% | $722M |
| 64 | COMMERCIAL BANK, THE | CRAWFORD , GA | 78.77% | $459M |
| 65 | BANK OF CAMILLA | CAMILLA , GA | 78.24% | $195M |
| 66 | SOUTHEASTERN BANK | DARIEN , GA | 77.49% | $621M |
| 67 | F&M BANK | WASHINGTON , GA | 76.18% | $424M |
| 68 | AB&T | ALBANY , GA | 76.06% | $272M |
| 69 | GREAT OAKS BANK | RICHMOND HILL , GA | 75.78% | $424M |
| 70 | GEORGIA COMMUNITY BANK | ALBANY , GA | 75.38% | $385M |
| 71 | SOUTH GEORGIA BANKING COMPANY | OMEGA , GA | 75.01% | $590M |
| 72 | PEOPLESSOUTH BANK | COLQUITT , GA | 74.89% | $1.2B |
| 73 | MOUNT VERNON BANK | MOUNT VERNON , GA | 74.39% | $195M |
| 74 | SOUTHERN BANK | SARDIS , GA | 73.97% | $400M |
| 75 | PLANTERS FIRST BANK | CORDELE , GA | 73.85% | $466M |
| 76 | FIRST SOUTHERN BANK | WAYCROSS , GA | 73.49% | $335M |
| 77 | BANK OF DUDLEY | DUDLEY , GA | 73.04% | $526M |
| 78 | First Chatham Bank | Savannah , GA | 72.17% | $604M |
| 79 | CLASSIC CITY BANK | ATHENS , GA | 71.54% | $302M |
| 80 | COMMUNITY BANK & TRUST - WEST GEORGIA | LAGRANGE , GA | 71.17% | $288M |
| 81 | North Georgia National Bank | Calhoun , GA | 70.68% | $272M |
| 82 | PEACH STATE BANK & TRUST | GAINESVILLE , GA | 69.83% | $789M |
| 83 | MAGNOLIA STATE BANK | EASTMAN , GA | 69.39% | $198M |
| 84 | CITIZENS COMMUNITY BANK | HAHIRA , GA | 69.33% | $218M |
| 85 | PLANTERS AND CITIZENS BANK | CAMILLA , GA | 68.65% | $145M |
| 86 | BANK OF DAWSON | DAWSON , GA | 68.42% | $160M |
| 87 | RABUN COUNTY BANK | CLAYTON , GA | 67.62% | $364M |
| 88 | PEOPLES BANK | LYONS , GA | 67.04% | $194M |
| 89 | Citizens Bank & Trust, Inc. | Trenton , GA | 66.83% | $135M |
| 90 | GUARDIAN BANK | VALDOSTA , GA | 66.63% | $601M |
| 91 | Wheeler County State Bank | Alamo , GA | 66.36% | $170M |
| 92 | State Bank of Cochran | Cochran , GA | 64.94% | $265M |
| 93 | COMMUNITY BANKING COMPANY | FITZGERALD , GA | 64.64% | $306M |
| 94 | QUEENSBOROUGH NATIONAL BANK & TRUST COMPANY | LOUISVILLE , GA | 64.14% | $2.3B |
| 95 | CITIZENS NATIONAL BANK OF QUITMAN, THE | QUITMAN , GA | 63.08% | $134M |
| 96 | BANK OF DADE | TRENTON , GA | 62.98% | $161M |
| 97 | WAYCROSS BANK & TRUST | WAYCROSS , GA | 61.92% | $234M |
| 98 | WEST CENTRAL GEORGIA BANK | THOMASTON , GA | 61.63% | $163M |
| 99 | FARMERS BANK, THE | GREENSBORO , GA | 60.49% | $177M |
| 100 | CENTURY BANK & TRUST | MILLEDGEVILLE , GA | 59.71% | $491M |
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All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.
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