South Georgia Bank
Total assets
$269.5M
▲ +8.0% YoY
Deposits
$241.3M
▲ +7.8% YoY
Loans
$133.7M
▲ +5.1% YoY
Offices
5
SOUTH GROUP BANCSHARES INC
ROA (annualized)
1.85%
peers 1.24%
ROE (annualized)
20.90%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | South Georgia Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.7 pts |
| Deposit growth (YoY) | +7.8% | +4.0% | +3.9 pts |
| Loan growth (YoY) | +5.1% | +5.6% | -0.5 pts |
| ROA | 1.85% | 1.24% | +0.6 pts |
| ROE | 20.9% | 11.9% | +9.0 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
Profile
- Established
- 1987
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SOUTH GROUP BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 401 S Veterans Blvd, Glennville, GA, 30427
- County
- Tattnall
- Offices
- 5
- FDIC cert #
- 32532
- RSSD ID
- 995571
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $269.5M | $241.3M | $133.7M | $23.9M | $2.4M | 1.85% | 4.36% | 0.08% |
| Q1 2026 | $262.5M | $235.0M | $133.7M | $22.9M | $1.2M | 1.86% | 4.25% | 0.40% |
| Q4 2025 | $256.1M | $228.1M | $137.7M | $23.1M | $4.6M | 1.88% | 4.40% | 0.83% |
| Q3 2025 | $251.9M | $224.7M | $134.2M | $22.2M | $3.4M | 1.88% | 4.35% | 0.55% |
| Q2 2025 | $249.5M | $223.8M | $127.2M | $20.5M | $2.2M | 1.87% | 4.28% | 0.55% |
| Q1 2025 | $239.0M | $213.8M | $117.2M | $20.4M | $1.1M | 1.82% | 4.08% | 0.64% |
| Q4 2024 | $228.8M | $204.7M | $116.5M | $19.4M | $4.4M | 1.98% | 4.32% | 0.30% |
| Q3 2024 | $221.1M | $195.3M | $118.5M | $20.9M | $3.3M | 1.99% | 4.35% | 0.16% |
Loan mix (Q2 2026): real estate $104.3M · commercial $19.4M · consumer $6.5M · securities $55.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | South Georgia Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 20.9% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.96% | 72th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.9% | 62.9% | 22th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | South Georgia Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | South Georgia Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | South Georgia Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | South Georgia Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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