| # | Institution | Type | Metro | Assets | Efficiency ratio |
|---|---|---|---|---|---|
| 1 | First City Bank Alpharetta, GA | Bank | Atlanta-Sandy Springs-Alpharetta, GA | $23.0M | 293.75% |
| 2 | Georgia Guard Credit Union Macon, GA | Credit Union | — | $3.4M | 179.09% |
| 3 | Vidalia Federal Savings Bank Vidalia, GA | Bank | Vidalia, GA | $212.0M | 155.70% |
| 4 | Flint River Employees Federal Credit Union Oglethorpe, GA | Credit Union | — | $1.8M | 144.61% |
| 5 | Macon-Bibb Employees Credit Union Macon, GA | Credit Union | — | $2.7M | 138.99% |
| 6 | Talbot State Bank Woodland, GA | Bank | Columbus, GA-AL | $51.7M | 123.73% |
| 7 | First State Bank of Randolph County Cuthbert, GA | Bank | — | $86.9M | 109.30% |
| 8 | Coffee County Teachers Federal Credit Union Douglas, GA |
| Credit Union |
| — |
| $3.0M |
| 105.89% |
| 9 | Harris Employees Credit Union Cordele, GA | Credit Union | — | $648K | 104.47% |
| 10 | United Neighborhood Federal Credit Union Augusta, GA | Credit Union | — | $3.1M | 101.81% |
| 11 | Beka Federal Credit Union Lindale, GA | Credit Union | — | $4.6M | 100.81% |
| 12 | Artesian Federal Credit Union Leesburg, GA | Credit Union | — | $29.5M | 100.29% |
| 13 | On The Grid Financial Federal Credit Union Atlanta, GA | Credit Union | — | $46.3M | 98.09% |
| 14 | Glynn County Federal Employees Credit Union Brunswick, GA | Credit Union | — | $22.4M | 97.07% |
| 15 | Credit Union Of Atlanta Credit Union Atlanta, GA | Credit Union | — | $79.4M | 95.82% |
| 16 | Berrien Teachers Federal Credit Union Nashville, GA | Credit Union | — | $1.3M | 94.58% |
| 17 | Savannah Schools Federal Credit Union Savannah, GA | Credit Union | — | $44.9M | 92.98% |
| 18 | First Bank of Coastal Georgia Pembroke, GA | Bank | Savannah, GA | $215.7M | 92.90% |
| 19 | North Georgia Credit Union Toccoa, GA | Credit Union | — | $116.5M | 90.41% |
| 20 | First National Bank of Decatur County Bainbridge, GA | Bank | Bainbridge, GA | $359.6M | 89.31% |
| 21 | Loyal Trust Bank Johns Creek, GA | Bank | Atlanta-Sandy Springs-Alpharetta, GA | $235.3M | 88.16% |
| 22 | Rochelle State Bank Rochelle, GA | Bank | — | $85.6M | 88.06% |
| 23 | The Southern Credit Union Fayetteville, GA | Credit Union | — | $564.3M | 88.05% |
| 24 | Bank of Hancock County Sparta, GA | Bank | Milledgeville, GA | $85.2M | 87.27% |
| 25 | Valdosta Teachers Federal Credit Union Valdosta, GA | Credit Union | — | $13.0M | 87.25% |
| 26 | Family First Credit Union Hapeville, GA | Credit Union | — | $133.7M | 86.75% |
| 27 | The Claxton Bank Bellville, GA | Bank | — | $304.8M | 84.56% |
| 28 | Apex Banking Company of Georgia Cleveland, GA | Bank | — | $72.6M | 84.55% |
| 29 | Go Energy Financial Credit Union Tucker, GA | Credit Union | — | $153.4M | 84.52% |
| 30 | Lanier Federal Credit Union Oakwood, GA | Credit Union | — | $74.1M | 83.08% |
| 31 | The Wright Credit Union Toccoa, GA | Credit Union | — | $16.4M | 82.93% |
| 32 | F & M Bank and Trust Company Manchester, GA | Bank | Atlanta-Sandy Springs-Alpharetta, GA | $87.4M | 82.65% |
| 33 | Combined Employees Credit Union Warner Robins, GA | Credit Union | — | $18.0M | 82.39% |
| 34 | Excel Federal Credit Union Norcross, GA | Credit Union | — | $173.2M | 82.00% |
| 35 | Southern Pine Credit Union Lake Park, GA | Credit Union | — | $29.8M | 80.76% |
| 36 | The Peoples Bank Willacoochee, GA | Bank | Douglas, GA | $109.3M | 79.80% |
| 37 | Peach State Federal Credit Union Lawrenceville, GA | Credit Union | — | $1.11B | 79.22% |
| 38 | Walker County Educators Federal Credit Union Chickamauga, GA | Credit Union | — | $14.9M | 79.04% |
| 39 | Coosa Valley Credit Union Rome, GA | Credit Union | — | $746.2M | 78.61% |
| 40 | Membersfirst Credit Union Decatur, GA | Credit Union | — | $429.1M | 78.51% |
| 41 | Omega Psi Phi Fraternity Federal Credit Union Toccoa, GA | Credit Union | — | $5.5M | 78.46% |
| 42 | Carver State Bank Savannah, GA | Bank | Savannah, GA | $111.2M | 78.30% |
| 43 | Georgia Power Valdosta Federal Credit Union Valdosta, GA | Credit Union | — | $22.9M | 78.11% |
| 44 | Planters and Citizens Bank Camilla, GA | Bank | — | $139.2M | 77.98% |
| 45 | MyGeorgia Credit Union Gainesville, GA | Credit Union | — | $256.5M | 77.38% |
| 46 | American Pride Bank Macon, GA | Bank | Macon-Bibb County, GA | $1.03B | 76.70% |
| 47 | LGE Community Credit Union Marietta, GA | Credit Union | — | $2.39B | 76.65% |
| 48 | The Merchants & Citizens Bank Mcrae, GA | Bank | — | $146.0M | 76.12% |
| 49 | Bank of Alapaha Alapaha, GA | Bank | — | $251.0M | 76.06% |
| 50 | The Geo. D. Warthen Bank Sandersville, GA | Bank | — | $190.3M | 75.61% |