South Georgia Banking Company
Total assets
$570.1M
▲ +2.4% YoY
Deposits
$487.6M
▲ +1.3% YoY
Loans
$394.5M
▲ +13.5% YoY
Offices
8
SOUTH GEORGIA BANK HOLDING CO
ROA (annualized)
1.63%
peers 1.28%
ROE (annualized)
12.42%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.9% | -2.5 pts |
| Deposit growth (YoY) | +1.3% | +4.3% | -3.0 pts |
| Loan growth (YoY) | +13.5% | +5.3% | +8.2 pts |
| ROA | 1.63% | 1.28% | +0.3 pts |
| ROE | 12.4% | 12.4% | -0.0 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
Profile
- Established
- 1937
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SOUTH GEORGIA BANK HOLDING CO
- Specialization
- Commercial Lending Specialization
- Address
- 5515 Alabama Ave, Omega, GA, 31775
- County
- Tift
- Metro area
- Tifton, GA
- Offices
- 8
- FDIC cert #
- 20198
- RSSD ID
- 767732
- 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 | $570.1M | $487.6M | $394.5M | $79.5M | $4.8M | 1.63% | 5.35% | 0.45% |
| Q1 2026 | $589.8M | $510.5M | $378.5M | $76.7M | $2.3M | 1.53% | 5.16% | 0.48% |
| Q4 2025 | $606.0M | $528.8M | $366.0M | $75.0M | $6.5M | 1.13% | 5.21% | 0.33% |
| Q3 2025 | $553.6M | $474.3M | $352.5M | $75.6M | $5.8M | 1.36% | 5.29% | 0.08% |
| Q2 2025 | $556.8M | $481.4M | $347.4M | $72.6M | $3.9M | 1.37% | 5.29% | 0.18% |
| Q1 2025 | $576.2M | $503.2M | $343.3M | $70.5M | $2.0M | 1.36% | 5.23% | 0.14% |
| Q4 2024 | $574.3M | $504.7M | $324.2M | $67.3M | $8.6M | 1.50% | 5.09% | 0.16% |
| Q3 2024 | $544.7M | $468.7M | $333.5M | $72.8M | $6.8M | 1.58% | 5.08% | 0.30% |
Loan mix (Q2 2026): real estate $325.5M · commercial $24.9M · consumer $17.2M · securities $91.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.28% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 12.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.35% | 3.89% | 97th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 61.2% | 50th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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